It depends from state to state, but it probably shouldn't affect your insurance.
Your rates shouldn't be affected, as long as he wasn't in an accident in your car.
No. Driving records follow the driver, not the car. Unless your friend is listed as a driver on your insurance then your insurance company is never going to find out about this/isn't even concerned with this.
You can go to dmv.com to search for auto insurance by checking the DWI box.
No.
DWI or DUI car insurance is simply car insurance for those who have a DWI or DUI offense on their driving records. These people are perceived as a higher risk by the insurance industry, so these policies are more expensive and offer less coverage.
I don't really understand your exact question. Are you asking can you be charged with points for your sons DWI? If he is a driver on your policy you will be assigned a charge for his points, yes.
If you were in an accident yes it would, if you are talking about having insurance to cover criminal charges and fines, I'm pretty sure that is illegal.
DWI
In the state of New York, a DWI will affect your insurance for a period of 40 months. However, you really can't be driving when you lose your license because of a DWI anyway.
Yes
Only if you had an accident that their insurance had to pay for.
Depends on your insurance company's policy.