Can my son drive my car with his own insurance policy, or does he need to be listed as a driver on my policy

Yes, your son can drive your car with his own insurance policy, but there are some factors to consider. Generally, car insurance follows the car, not the driver, so if your son is driving your car, he is covered by your auto insurance policy. However, it's essential to check your policy to see if it allows for occasional or permissive use by family members.

If your son is licensed and resides in your household, he must be listed on your auto insurance policy. Insurance companies typically require that all licensed drivers in a household be listed on the auto insurance policy, except for unlicensed teenagers or younger members under 14. Adding your son to your car insurance policy can protect your finances as well as his.

If your son has his own insurance policy, it's secondary to your insurance, and it may cover some personal injury or medical expenses. However, your insurance will be the primary payer for damages caused by your vehicle, but the driver must be found legally at fault before your insurance will pay.

It's essential to note that if the vehicle is solely owned by your son and not owned by you and him jointly, the policy should be written in your name, and the check will be made payable to the first named insured, which is you, not your son.

In summary, your son can drive your car with his own insurance policy, but it's crucial to check your policy for permissive use, add him to your policy, and ensure that he has his own insurance policy that covers him while driving your car.