Yes, it is likely your son would have to pay more for insurance if he put an advertisement on his vehicle since most insurance carriers would now require him to get a business policy on the vehicle instead of holding a personal auto insurance policy.

We cannot tell you for certain what your son's current insurer would do regarding his policy type of rates; he would need to contact his carrier for this information. However we can say in general that many personal auto insurance companies would not cover his car if he places an advertisement or lettering for a business on the vehicle. Due to advertising a business on this vehicle, an insurance provider will typically now require your son to buy a business auto policy or business use policy instead of a personal auto policy.

In general, vehicles with advertising on them require a commercial auto policy. Your son will need to check with his insurance company to see how they want to cover his vehicle if he places an advertisement for business on it, as a personal auto or business/commercial motor vehicle.

If changes need to be made to his policy, such as changing it over to a commercial / business use policy, then likely his car insurance rates will be affected. Again have him contact his insurance agent to find out what his current insurance provider will require of him, such as changing his policy type, if he places an advertisement on the car. If the rates do rise then he should shop around for insurance to cover his vehicle with the advertisement on it.