If you have drivers 18 and older living in your home and driving your cars then yes, you should have them on your car insurance. If you have a “teen” driver 18 years old older living with you they can obtain their own policy, they may benefit from being on your insurance from getting lower rates to better coverage. Depending on your insurance company’s rules, they may need to insure all licensed drives in your household, you would have to contact them for further rules for their company. Driving uninsured is a misdemeanor in GA, anyone driving uninsured can face up to 12 months jail time and or fines and loss of licence. The best idea would be to add anyone who is over 18 years of age and is a licensed driver to your car insurance, this will help you stay protected and your vehicle(s) protected as well.