This goes back quite a ways but ... back in the day... I was driving myself to Driver's Ed at 15 years old!
As for insurance, I've had Allstate for nearly 20 years now. That might make a difference towards what I pay (Full coverage for 00 Celi GTS, 97 Explorer, and 68 Dodge D-100 P/U = $2300 per yr)
However I currently have 2 teen daughters driving and a son about to come of age!
Rates are due to rise thru the roof VERY soon!!
To make matters worse, in Delaware the insurance companies (all of them) automatically place kids under the most expensive auto to insure!