Teenage drivers and college students should be added to their policy if they have a valid learner's permit or driver's license; roommates who live in their home. For example, if a guest visits you from out of town and borrows your car while you're at work, they'll be protected by the permissive use clause in your insurance policy. For most major insurers, including Geico, State Farm and Progressive, you can add a driver to your car insurance policy simply by calling your insurance agent or provider; you can generally add a driver online as well. Adding someone to your car insurance has an impact on your rates, but sometimes it won't always have a negative effect.
In fact, you'll save money, depending on the age and driving history of everyone you add to your policy. But even if your insurance company doesn't require it, consider adding your roommate anyway if you lend you your car, even if it's from time to time. You should add someone to your car insurance policy if they live in your home, have a driver's license and have access to your car. You'll likely need the following information about your new driver to add to your car insurance policy, although the exact requirements vary from insurer to insurer.
However, the extent to which it actually needs to be done will depend on their exact relationship with you, the length of time you use your car, and your insurance company's specific policies. For roommates, you also don't need to add them to your policy if they have their own car and insurance. You don't need to add other drivers to your car insurance policy if they don't live with you and only drive your car occasionally. This is because insurers set rates based on the overall likelihood that a vehicle will be involved in an accident and, therefore, file an insurance claim.