Is he on your policy or does he have his own? Check with your agent. When all of our teens started driving, we bought cars for them to be the primary driver of ($2000 cars). In our state, there are a number of choices that you make that have to cover the entire policy. By buying separate policies for each child, we could make different, cheaper choices for them, even if the cars themselves were in our names. And once they graduated high school & put the cars in their names, they could elect lower policy limits & lower the premium even further. It’s kind of confusing if you don’t work in insurance & may not work that way in every stage, but it’s definitely worth talking to your agent. Also, it’s worth calling around to other companies for quotes. We have the coverage for our rental policies through SF because they are cheapest for that but our auto & homeowners is elsewhere bc it’s cheaper somewhere other than SF.
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