For the most part, insurance companies consider your residence address as the place you spend the majority of your time at. So, because your son uses your home address as his base and lists it on his driver licenses as well as uses your vehicle often, you should add him to your policy. This way, there's no question he would have coverage in the event of any future accidents. In terms of finding affordable insurance with a driving record, your best bet is to shop around with as many companies as possible. Every company will view the risk associated with your son differently and thus price him differently. You can compare hundreds of companies here
. For more information on finding auto insurance with a driving record, see our guide on high-risk driving here.