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You should have him get his own insurance, besides the savings on getting PA insurance. You get your life back.
But does he still have to be on my policy because he is using my car, car parked in another state, etc?
Easiest thing IMO is just put his name on the title and let him insure it. It'll save a lot of headaches later.
In California you could do it either way. You could leave it on your policy and tell the company it's garaged elsewhere. Being that he's 25, most companies would want him to get his own policy. Can you ask your agent?
The biggest reason for him to have his own car and policy is the liability concern.
If something happens and he gets sued, guess who else gets sued? YOUR car and YOUR insurance - so you get sued too. I realize your son would never do anything egregious, but he is 25 years old...
Do you want to put ALL of your assets and income at that kind of risk?
So it sounds like if I don't transfer the title, he will need his own policy AND still be on mine?