What are the consequences for the parents (Ohio) are that a teenage son to add to their car insurance policy?

I just want to learn a step son 16, the driving. Before I get behind the wheel, and add to our policy, I want some facts on how our (my husband and my) clean influence to collect records. The will of its low GPA (weighted average) is a reflection on the policy as a whole? How to deal with injuries, he has an effect of our records and ratings? to build My husband and I are planning a house in a year or two and want to know exactly what kind of assumed risks – insurance rating, ratings, and others – so we do not undermine their own efforts, because of negligence! Thank you!