All drivers on your car insurance policy have to be listed…although not necessarily rated. For example, all family members that are licensed, and live in the household, typically must be rated. That is, they are assigned to a specific vehicle as a principle or occasional driver. Of course, they can usually drive any insured vehicle in the household.
“Family” car policies are quite prevalent, and offer very flexible coverage.
Occasionally, a driver that is a full-time household member has their own car and their own insurance policy. In these situations, although they may be listed on the family policy, that person and their vehicle are not charged. However, if the insurance lapses on that vehicle, then it is possible that they will subsequently have to be rated on the main family policy.
Important: This answer was provided by Edward Harris, one of the leading US authorities on auto insurance rates, and the owner of Carinsurancezoom.org, the premier trusted website for obtaining the lowest auto insurance prices in all states.