If you place your son on a 'named driver exclusion' he will not be covered but is it still legal for him to drive?

If your son has a valid drivers license , he can legally drive your vehicle. But- he will not be covered by your auto insurance policy for any damage incurred while your son was operating the automobile. Therefore You would be liable (out of pocket) for any damages.

In some states, he cannot legally drive any vehiclewithout car insurance.