Ther is no specific cutoff age. The question is This. Do you have a financial interest in insuring his vehicle or it's insurance?. If you have no financial interest in his auto insurance coverage, then legally you can not insure it. To understand "Financial Interest" in laymans terms ask yourself this question. If he has an accident what are my losses or what is my liability exposure. If the answer is none, Then you can not legally enter into an insurance contract for his vehicle. As an adult on his own, unless you are a cosiigner on his vehicle finance note, then you really do not have a financial interest in his motor vehicle.
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