Do you need separate auto insurance for your 16 year old son or is your current auto insurance good for any driver of your car?

Answer 1

Generally, The least expensive way is to add your son to your existing auto Insurance Policy.

Failure to add a known driver to your policy is considered Insurance Fraud by concealment and could subject the insured to cancellation, non renewal and can void all coverage under your policy.

Basically any one who has regular access to your vehicle and is not scheduled under the policy is an uninsured driver.