Will my car insurance rates go up if another driver lives at my address who is not under my plan?

-I have an insurance plan that covers myself and my wife. Recently my son switched insurance plans to the same carrier that I have with his own insurance policy for his car that he owns. He drives any of the cars that are covered on my policy. Will him having the same car insurance as me this affect my insurance rates by causing them to increase?This is a colossally bad idea. It can actually cost more to get an insurance plan for one car, one teenager, and no one else, than it does to get an insurance plan for a family of three. You might even be able to get your insurance for free, by putting him and his car on your insurance plan, and having him pay for the entire plan, so that you and your wife do not have to pay anything. This might cost him less than his current plan.



Even if the situation is not quite that extreme, you and he can both save a tremendous amount of money by putting all three of you on the same plan, and splitting the cost in whatever way you want, so that everyone pays much less than they are paying now, because the cost of the one plan will be much less than the total of what is being paid now for the two plans.
It depends on what state you live in. Every state, you HAVE to list household members that are driving your cars. You HAVE to list him, or he's not covered if he drives your cars. BUT, most states, since he has his OWN policy with the same company, will NOT CHARGE you on your policy.
Not if you stop allowing him to drive your car(s). If he had an accident in your car(s), your rates would certainly go up.