Does Every Driver Need Car Insurance? 
Every state has different laws . In Oregon , insurance follows the vehicle , so every vehicle on the roadneeds to have insurance . Most policies give coverage for a permissive driver , however as the owner of the vehicle your insurance will pay out if that person has an accident . With that being said all drivers in your household need to be rated on your policy to ensure your coverage is not denied at the time of a claim . People who live in another household do not need to be rated on your policy and your policy should coverage them , you just need ask your agent to make sure you have coverage for a permissive driver . 