can I insure my son on a car but he drive a different car? he drives a toyota 4runner but the insurance is too expensive. insuring him on an older vehicle would be cheaper.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: May 25, 2017

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Insurance Question from Columbia, SC

Asked on 05/25/2017

can I insure my son on a car but he drive a different car? he drives a toyota 4runner but the insurance is too expensive. insuring him on an older vehicle would be cheaper. insuring child on a vehicle they don't drive

Answer given on May 26, 2017

If you have a younger driver in your household the insurance company wants to insure that driver on the car they use the most.  If you have the same number of cars as drivers in the household, you can select the car you wish for him to be rated on. If you have more drivers than cars, then your son will be rated on the most expensive car, but will be rated as an occasional operator which is less expensive.

If you select the less expensive car to insure your son on, and he has an accident in another car, the insurance company may decide to move him to that car going forward. Until then the insurance company should agree to insure him on the car you say he drives unless you have already told the insurance company that he drives the 4 Runner.


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