It does not sound as if a non-owners policy would be of much, if any help to your son. A non-owners policy would only cover any liability that is incurred by the insured. If a driver is excluded on a policy (as he would appear to be in the case of your insurance policy) then he should not drive any vehicle in the household, even with a non-owners policy.

The Texas Department of Insurance explains this well by stating the following in their consumer auto insurance guide: You can sometimes remove a teen-aged driver or adult child living at home from your policy by purchasing a non-owner policy. This usually is a bad idea. A non-owner policy merely provides additional liability insurance when driving a non-owned vehicle.

The guide goes on to say if your child then has an accident while driving your car, neither your policy nor the non-owner policy will pay for your vehicle's damage. This is due to the child being excluded from your policy and his non-owners is only for providing additional (excess) liability, if the primary insurance is not paying on the accident then the non-owners would not typically pay either.

In a case like this you might also be unprotected financially if held liable for an accident caused by your minor child or by an adult child driving a vehicle you own.

The best solution is to find a carrier that will cover the 21 year old on the policy with you. To start shopping for auto insurance quotes, click here.