Insurance companies generally require that any person living in the household be listed on your policy regardless of driving status. If a member of your household won't be driving your vehicle then you can normally exclude them from coverage or have them listed as a non-driver. The reason is because the company wants to know who they will and will not be covering as a driver in the event that there is a claim involving your vehicle. Excluding a person from your policy normally doesn't impact your rate. When shopping around
be sure to ask about your options concerning your son being listed on your policy.