Household Drivers = people who live in your household and may drive your vehicles. This can include your spouse/partner, adult children, relatives, or roommates, depending on the insurer’s rules. The quote shows $100,000 per person / $300,000 per accident bodily-injury liability for this category.
Undisclosed Drivers = someone who lives in your household or regularly uses the vehicle but was not listed/disclosed to the insurance company as a driver. Your quote shows much lower bodily-injury limits for them: $30,000 per person / $60,000 per accident, and property-damage liability of only $15,000 per accident.
So, for example, if you have a family member living with you who regularly drives your 2022 Accord but you didn't tell the insurer about that person, they could be treated as an undisclosed driver. That could significantly reduce the coverage available after an accident.
The important part of your quote is:
| Driver type | Bodily Injury | Property Damage |
|---|---|---|
| Household/listed driver | $100k / $300k | $100k |
| Undisclosed driver | $30k / $60k | $15k |
If everyone in your household who drives your cars is properly listed on the policy, the Undisclosed Drivers limits generally aren't the limits you'd expect to apply to your own normal driving.
If you want, I can also go through your entire quote line by line and tell you which coverages I would consider increasing or decreasing for your 3 vehicles.
