Does Every Driver In The Household Have To Be Listed On Our Auto Policy? 
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 . 