It depends on the insurance company and their guidelines as well as their rating systems if it would be cheaper to have your son listed as an occasional driver or primary driver on your vehicle.

Not all insurance carriers rate using occasional driver or primary driver. An occasional driver is typically rated at a lower rate than a primary driver by insurance providers that do have these different designations. Also, it may be possible to have a person listed as the primary on one vehicle, but not on all household vehicles.

Regardless of cost, you will need to tell the use as defined by your specific insurance carrier. So speak with your insurance agent and see if they have both types of driver designations and if so what he or she would advise to place your 20 year old son as.

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