It is not necessarily state laws that require you to add and keep your licensed teenager to your auto insurance policy but instead is a requirement by most all insurance carriers.

Since your son is licensed and lives in your residence then it is doubtful that your insurer will allow you to take him off your policy as a driver unless he turns in his license or gets his own policy. The latter does not appear to be an option though since he does not personally own a vehicle. A non-owners policy would not be of help here for him to drive your vehicle since it is secondary insurance and if the primary insurance, yours, would not pay out (due to him not being on the policy) then the non-owners would not typically pay out either.

The Florida Department of Financial Services states that when applying for auto insurance, it is important that you disclose all members in your household, or anyone else who regularly drives your vehicle. This also holds true for advising an insurance company when a child has obtained their driver's license.

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 Your claim may be denied for misrepresentation and your policy contract rescinded for not properly disclosing drivers and use of the vehicle.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.

So you can discuss taking your son off your policy with your insurance agent but likely they will require you to keep him on it. If you choose to take him off then you may be required to exclude him from the policy in which case he would not be covered by your insurance policy in any way if he drove the vehicle and was in an accident.

If you find your rates are too high with your teenage son on your policy, you may want to shop around for insurance. You can start here by getting a car insurance quote here with us.