Your auto insurance policy is designed to cover you or any other licensed household residents you list on your policy. It is very important that all of your household drivers are specifically listed on the policy. If any other driver were to operate your vehicle they are covered under your policy on an occasional basis. Check with your agent or us if someone needs to drive your car on a more regular basis as the insurance company may have other requirements. You will also want to check with your agent for student drivers.
All this aside if a licensed driver borrows your car you can be assured they have the same liability coverage your policy provides you. Car insurance policies are meant to be flexible to fit your lifestyle.