When our S moved to a city more than an hour away, we contacted our insurance agent to change the address of where his car is garaged. We were told that because he is an adult (not a kid away at school), keeping the car in our name and allowing him to keep it away from our home was a no-go. She warned that it definitely could result in very expensive problems in the case of an accident. We didn’t know this. We signed the car over to our S & he has insurance in his own name. We had hoped to spare him the full brunt of the young adult male surcharge (but to be honest, his rate wasn’t any higher than what we saved when he & his car were removed from our policy). And yeah, in retrospect, we were wrong to think it would be okay to do that.
On another note: A major city near me has experienced a surge in young adults working & residing within the city limits. Unfortunately, many are using their parents’ addresses to get out of paying city taxes on their income. That’s just not acceptable.