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Erie Insurance is a company in my area that allows the exclusion.


Here's a good write up on "excluded drivers".

Excluded Drivers: Does Everyone in Your Home Need to Be Insured?


Note that even if your kid provided a signed affidavit that he would never drive your car, if he did, the insurance company would still have to pay any liability claim. The insurer could come after you to reclaim the expense of settling the claim after the fact, but the insurer would be on the hook originally.

That's why some insurers consider a "driver" to be anyone physically capable of operating a motor vehicle, whether they're licensed or not.

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