Does My Auto Insurance Cover My Son? 
If your son is living in your home and has a license to drive , then yes , he would be covered on your auto policy , however , he would need to be added onto your policy so that your insurance company can receive the proper premium to reflect the risk . If on the other hand your son is an adult and living elsewhere , and he borrows your car , then yes , more than likely he is covered under your policy in most cases . It is always a good idea to check with your Insurance Professional about the specific terms and conditions of your policy . 