First, to find out if your step-son can stay on your policy even without being a part of your household or going to college, you will need to check with your insurance company to find out. Insurance company's guidelines differ so it will depend upon what their underwriting rules are if he can remain on your policy without living in your household or attending school.

Typically an insurance company will not want to cover a vehicle on your policy that is not part of your household or residence any longer (the exception may be if your child or step-child is attending college which now does not apply in this situation). If this is the case with your insurance provider then your step-son will need to get his own policy. He may face difficulties doing so if the car is only in your name so you may want to add him as a co-owner or sign the car over to him so that your name is no longer on it.

Your step-son may be able to get insurance without you signing the car over if he can find an insurance company that will allow him to get insurance without insurable interest in the vehicle. Esurance allows this in some circumstances. If you keep your name on the vehicle you will want to make certain that he carries insurance on the vehicle because as the owner you will have vicarious liability with regards to the car.

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