Typically, a car insurance policy covers a specific vehicle, not a person. If you occasionally lend your car to a friend or family member, your policy will provide coverage if they have an accident. However, if your teenager drives your vehicle regularly, you need to list them as a driver on your auto insurance policy. State laws may also dictate under what circumstances a policyholder should list another driver on a policy. To avoid undue complications, contact your insurance company to find out if you should list your teen driver on your policy.