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Answered 2009-08-24 20:00:22

It is my understanding that the minor/permit holder does not have to go on their parents insurance, but is covered by their parents---they can not drive alone. You have to put them on your insurance within 30 days of them becoming licensed. Bottom line-- the parents insurance does not go up until the teen has their license. This sounds like a case of divorced Dad visits--- in which case the teen does not have to be listed on his Dad's insurance as a driver, because he does not reside with him. If Dad's is legal residence, he has to be listed. ( I live in Massachusetts, all the info I just gave came from experience.)

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