If I add someone onto my auto insurance policy and that person gets in an accident, will my rate climb. If it does can I remove that person from my policy to keep my rate the same.
Yes, they will likely rise. Most companies will not allow you to delete someone from your policy if they are still living with you, unless they have their OWN auto policy. A few will let you, but only if you "exclude" them from all coverage – pretty risky, as if they DO drive while excluded, the policy is void.