A driver needs a passenger endorsement if operating a vehicle designed to carry: Do you currently have motorcycle insurance? Insurance is mandatory to drive in Ohio Yes I have insurance. But please show me your best quotes. No, please help me find the best insurance. Question A driver needs a passenger endorsement if operating a vehicle designed to carry: Answers Five passengers or more. 10 passengers or more. 15 passengers or more. 40 passengers or more. Explanation You must have a CDL with a passenger endorsement to operate a vehicle that is designed to carry 15 or more adult passengers.