My son does not live with me and he is 25, Do I have to carry him? 
In California insurance follows the automobile . All the drivers in the household are considered when determining the rate . If your son is no longer in the household he doesnt have to be included . If he is driving one of your cars , and the car is registered in your name or your are a co-registrant you should call your agent and get advice . This is particularly critical if he is operating your car in another state . 