Buy a cheap car to use for the first three years of being insured.
Very expensive insurance, “assigned risk”, is normal for any driver without 3 years of insurance history. It’s three times as expensive as normal.
3 years of being on an auto policy, (no big accident) helps a lot.
You get out of the “Assigned Risk” category.
Then over 25 years old, rates drop down to normal.
Being on your parents insurance as an occasional driver for 3 years creates insurance history. (That would be true even if you seldom drove your parent’s car).
For a car in your own name:
Having a cheap, replaceable car for the first 3 years, would make it unnecessary to pay for collision insurance, on top of the state mandatory liability insurance.
Like a $3000 car plus if needed, new tires and brakes, battery tune up...
With no collision insurance, if you crash, you must fix it or replace it yourself, unless you get hit in the rear, for example, then the other driver’s insurance must fix your car.
3 years of no collision insurance can save about $3000. Check the rates.
Any car bought with a loan requires this expensive collision insurance to protect the bank's investment.
And ANY expensive car should have collision coverage. Then no matter how it gets damaged the insurance company has to fix it or replace it.
(Being the owner of the vehicle protects your parents in the case of a law suit.
If your parents own your car, people can sue your parents after a crash.)