You’ll automatically have to pay a higher premium if you want them to be able to drive your car. You have the option to exclude them off your policy and stay with a standard insurance company that they don’t qualify for, but if they sign that excluded form and then drive the car and have an accident, there’s no coverage with it. You two options: you can either pay for them and go to a high risk company so everybody can drive it, or you can have them excluded off the policy.