In New York, insurance companies are not allowed to refuse to add a driver under the age of 21 to a policy simply because of their age and marital status. According to the New York State Department of Financial Services, all household members who have a valid driver's license must be listed on a car insurance policy, regardless of their age or marital status.
Insurance companies are required to offer coverage to all eligible drivers, regardless of their age or marital status. However, insurance companies may charge higher premiums for drivers under the age of 21, as they are considered higher risk drivers. Additionally, some insurance companies may have specific requirements or restrictions for adding young drivers to a policy, such as requiring a certain number of years of driving experience or maintaining a certain grade point average.
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It's important to note that not all insurance companies have the same policies and requirements, so it's a good idea to shop around and compare rates and policies from different insurance providers to find the best coverage for your needs.