According to the Florida Department of Financial Services when applying for auto insurance, it is important that you disclose all members in your household, or anyone else who regularly drives your vehicle. If you do not list a driver who is later involved in an accident, you may encounter problems. Your claim may be denied for misrepresentation and your policy contract rescinded for not properly disclosing drivers and use of the vehicle. This may apply to households with a family member or teen-age driver, or a friend who uses the vehicle occasionally.

We don't know of any state laws that require you to include your child (all license residents in your household) on your auto insurance policy. We don't know of any carrier that doesn't require it for rating purposes. You will need to inform them of your child's licensing status once they have a driver's license. It is then up to the insurance company and their guidelines if that child must be included on your policy or not.

Most insurance companies will require a licensed child to be on the policy unless you exclude them. When you exclude a person from the policy then they would have no insurance coverage afforded to them if they were to drive the car and be in an accident.

Many insurance carriers will work with you on your policy if your child is away at college. For example some insurance providers will give a reduced rate if your child is living away at school which is over 100 miles away. 

If your insurance company is requiring you to have your college bound child on your policy and you do not want this then you may need to shop around for another car insurance provider.