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Depends if you live in a "no fault" state. Here in NYS ther is no such thing as an "excluded driver" other than for a busboy that might climb into your car to get suitcases or a similar situation in which in th ecourse of business someone may have access to your car.I googled NYS insurance regulations and laws as I read so many posts that said otherwise.The only wasy to exclude him is to have him get his own insurance and report that to your insurance co. Suggest you Google your state's insurance web site.

Now here in NY, an adult son does not need to be listed as a driver on the policy , but must be listed as a member of your household, so th einsurance co. can jack up your rates based on his driving record.

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Q: Can I drop my adult son who lives at home from my insurance if he doesnt drive my car?
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Can an adult son who lives in home drive car insured by parents?

yes. anyone can drive your car with your permission.

Your adult daughter has auto insurance and is gifting you her car you have a car and insurance She lives with you Do you have to put her on your insurance policy?

As long as she has her own policy on her own, it would not affect your insurance in the sense of premium or the need to have her insured on your policy. However, most auto insurance company want to have her listed as a driver in the household since she lives with you. The policy actually follow the vehicle and not the driver. If she was to drive this vehicle and get into an accident, your policy would be the primary and her policy would be secondary.

How does it affect out lives?

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How does daughter's 92 MPH speeding ticket in a 65 MPH zone effect auto insurance for your car?

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In Michigan do you have to have your 21 year old insured on your auto insurance if she lives with me?

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Are you liable for any unpaid copay charges on your 18.5 yr old stepson who lives with his girlfriend?

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Can a 16 year old driver get his own auto insurance policy or must he be on his parents policy if he lives in the home with them?

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Can your adult daughter who does not live with you drive your car without being on your insurance in new york?

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Does your son who attends an out of state college and lives in that state have to be carried on your insurance policy if he borrows a friends car?

if hes not i wouldn't suggest letting him drive the car