Can you exclude your son from your insurance policy if he does not drive at all even though he has a license?

In many states, you can sign a "named driver exclusion" which will lower your premiums but which will exempt your son (or whomever) from coverage under your policy. Obviously, once you have signed the named driver exclusion, DO NOT let your son drive your car - - if he has an accident while driving, you are going to have serious problems.