All members of your household should be on your auto insurance policy, with only a few exceptions. For example, you may be excused from not including your teenager in your policy if:
The Child Only Has a Learner's Permit
Depending on your car insurance company's laws and regulations, you may not be required to list your teenage child on your policy if the child only has a learner's permit and not a full driving license. The learners permit is the provisional driving license that is given to anybody who is still learning to drive and hasn't still achieved the normal requirements for getting a conventional driving license. One reason you may not have to include such a child on your auto insurance policy is when the child is also not expected to be in the car alone; they should always have a licensed driver beside them.
The Child Has Their Own Car and Its Separate Insurance Coverage
Your insurance company requires your policy to include all drivers in your household because it assumes all of them will be driving your car. Everyone who will be driving your car on a regular basis will be evaluated when your rates are calculated, and they will then be covered by your auto insurance coverage. However, if your child has their own car, and they have separate insurance for the car, the insurance company doesn't expect the child to use your car on a regular basis. As such, the insurance company may allow you to exclude that child's name from your policy.
The Teen Doesn't Have a Driving License
Everyone who drives is expected to have a valid driving license and auto insurance coverage. Even your insurance company doesn't expect unlicensed members of your household to be driving your car. The majority of teenagers learn how to drive and get driving licenses as soon as they are legally able to do so, but some (for varying reasons) don't do so. Therefore, if your teenager hasn't started learning how to drive, the insurance company may not expect their name on the policy.
The Teen Doesn't Live You
Lastly, you may also not b required to include your teen's name on the policy if the child doesn't live with you and doesn't visit you regularly either. This is because, in such a case, the child can't possibly be expected to drive your car regularly. A good example is if the teenager is studying in a distant state or is living with a relative overseas.
Ultimately, it is your state's laws and insurance company's regulations to determine whether your teenager should be on the policy or not. Consult your car insurance company for confirmation if you are in doubt. Contact a company like Manassero Insurance Agency Inc for more information and assistance.