When you buy a new auto insurance policy, you’ll be asked to list all the drivers who should be on your policy. This typically includes anyone living in your household.
You’ll definitely want to include any vehicle that is titled and could be driven. Auto insurance primarily follows the car, not the driver. If you get pulled over by the police, they are looking to see if that vehicle is insured, not if the person driving the vehicle is on the policy or not. As far as insurance, the police only want to see if the vehicle is covered by an active insurance policy.
You can let anybody drive your vehicle and they will be covered under your policy. But insurance companies want you to list anyone who has regular access to your vehicle as a driver.
If you knowingly omit a driver, such as your teenage driver who just got their license because you know your rates will spike, you could be risking having your claim denied by the insurance company.