Does Allstate Insurance require you to add your child to an insurance policy if they drive a car occasionally?

All insurance companies require all household members to be listed on the auto policy whether drivers or not. All drivers must be listed on the policy as well. You agree to this on the application for insurance that you take out and it is listed in the policy as a requirement. The application and policy are legal contracts. If you do not meet these important requirements then the insurance company is not required to keep their end such as paying for losses that occur. Be very careful about not keeping your end of this contract. Both parties to the contract depend on trusting the other party to performing their requirements under the contract. As a matter of full disclosure, I own and operate a small Independent Insurance Company in Central Georgia and have for the past 22 years. Prior to that I worked as an agent for a direct writer of insurance for 3 years.