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You don't need car insurance until you actually buy a car so you're good there. It will require being renewed every few years but that's a lot cheaper than the auto insurance. I say grab it. Like you said, could be useful if you ever need to drive someone in case of an emergency, or want to take over on road trip or something like that.
This applies to the insurance of the person I live with too? They recently changed companies and I know one of the questions they had to answer was "How many members of your household are licensed to drive?". If I got a license their rate should stay the same? It would be their car I'd drive if a situation ever came up where I needed to drive, but I absolutely do not see it becoming an even twice-a-year thing.
Household doesn't include roommates. That only applies to families.
Edit: to clarify, its basically defined by if you have shared finances. Do you have a joint bank account with your roommate and pay a joint credit card? Then you're a household. Otherwise, you're two separate households.