I’m going to recommend you either place him on the same insurance you are on, because you will get a multicar or multi-driver discount, and because you ideally have a good history with your insurer so they will treat your stepson a bit better.

The cheapo companies will drop him the instant a bug hits the windshield and will guarantee a protracted legal battle if he gets into an accident if he ever wants to see his money or his car again.

I’ve been with State Farm for 13 years, and I’ve been through several accidents on both sides of the bender. They’re pricier, but they’ve always treated me very well. The right company makes all the difference…..

Good luck.

PS.. He may get additional discounts on insurance with any carrier if he takes a driver’s ed class, and if he gets good grades in school.