Mom, is there an agent for your ins company nearby? You could discuss adding your son to the policy and get some info from that person, but I wouldn’t, if there are no limitations on his license, say anything about his Asperger’s. You might try discussing lowering the limits on your liability (if it lowers the premium enough, say if you have $100K for property damage, reduce it to $50K) or raising your deductible (if that’s fairly low) and see how it affects your premium. If doing something like that doesn’t reduce the premium to make much of a difference, then I’d leave the limits alone. If he is going to be driving the family vehicles, you will have to “bite the bullet”, I’m afraid, until he can afford an older car w/just liability on his own.

If he goes 6 mos w/o tickets or an accident, your premium will more than likely decrease twice a year until he’s considered an experienced driver. My grandson has had his ins a year, and it’s been halved already.