Ask the Car Insurance Expert
Is my son insured if he drives with me in the car?
Auto insurance isn't like a cloud around you that provides coverage to those with arm's reach. If your son lives in your household, he should be listed on your policy.
If he lives away from home, he's likely covered, as are other people who might occasionally drive your car. If you're unsure just give your insurer or agent a call to confirm.
Whether or not you're in the car is inconsequential.