“When an insurance company offers a policy, in most cases they need to have all people of driving age listed on the policy. Anyone in the home is a potential risk who must be underwritten and rated for.
Don’t worry, though, you may have options! If your roommate has her own policy, send a copy of her declarations page to your carrier. They may give you the option to exclude her as a driver from your policy.
Just keep in mind that once she is listed as excluded, she will not be covered to drive your car at all. If she does and there is a claim, she will not be covered. “