roommate who doesn’t drive, own a car, or have insurance recently updated their license and i’m now being told they have to be on my auto policy…

starting off by stating that we are based in MA and that i have my policy through USAA. so, the situation is that my roommate, who i am not related to at all, updated their driver’s license a month or so ago just for real ID purposes. they received their license back when they were 18, drove a total of maybe 2 times in their lifetime, never have owned a car, and have not driven since then. they are now 25. they rely on public transit and will never drive my car. again, absolutely no relation to them.

emailed today that the DMV records have been updated to show that my roommate, now with a valid license, must be added to my policy. they do not have a car and will most likely not own one anytime soon. they do not have any kind of insurance. they have not driven in YEARS and quite literally do not ever want to drive again themselves. the call with my rep basically boiled down to the options of A) forfeiting their license, B) getting added to their parents insurance… in which they live STATES AWAY, C) having them get their own liability insurance, or D) adding them to my policy.

now, i absolutely do not want them on my policy. i already know that my rates will shoot up without a driving or credit record from them. i understand the ‘reason’ for requiring this, but oh my GOD i’m at a loss. we looked into non-owner car liability insurance, and apparently it’s not a thing in MA. my rep told me about having them get liability insurance, but what do i do if it’s not offered…? at a loss in terms of my options. is there any form of liability insurance they can take so that i can avoid putting them on my policy? my rep told me that i wasn’t even eligible for the form where both of us would sign to exclude them from my policy. really not sure what to do and thank you in advance for any help.