Do you have to add your child to your policy even though he does not have a drivers license?

Yes. Read the question on the application or have the agency repeat the question. Most applications ask for all children's information whether or not licensed if they are over 12 or so. If they do not have a license you will not be charged a premium for them as a driver. This is for information only and they may send you a letter every six months or year asking if they have gotten a license and reminding you to list them when they do. This does not mean that you can wait for the letter to add them. The company must be notified as soon as they are licensed for them to be covered. Most companies do not even charge while they have their learners permit but want to be notified when they get the learners permit and the number.