We are not aware of a specific Texas law that mandates you list every driver in your household on your auto policy however some liability laws (related or unrelated to auto insurance) may impose it. Insurance companies have this as a requirement in the terms of your policy.

Insurance companies rate on various factors including the risks that the drivers in a household pose and they cannot rate correctly if they are not aware of all licensed drivers within a household that may drive the vehicles listed on the policy.

The Texas Department of Insurance states some policies require all drivers to be named on the policy for coverage to apply. Therefore, it is important that you list all family members on the policy as soon as they reach driving age. If you do not have all of the drivers in your family listed on your policy and the company learns about them later – because of an accident claim, for instance – the company can bill you for the extra premium you should have paid and could deny your claim and coverage.

Basically if the insurance company has requested that you inform them of all licensed household members and you fail to do so then you are committing a type of fraud in the form of misrepresentation. If there are licensed household members that you wish to not have listed on your policy you can see if your insurance provider will allow you to exclude them. Keep in mind an excluded driver would have no insurance coverages extended to them if they did drive your vehicle and cause an accident.