Driving is a privilege and not a right!!!!! And insurance for underage drivers is very high. What does the insurance industry consider underage? That would be 18 when they can get their license on their own. I didn’t allow my kids to get their license till they were 18. My daughter is my oldest and I didn’t feel it was necessary for her to drive till she was 18. That set the pattern in the home. Honestly they didn’t lose out for waiting. I felt safer for waiting and I am sure my neighbors did too. My third child had so many accidents I can’t even imagine how many more he would have had if he would have started earlier and in all honesty most of them weren’t his fault he was just a driving target.
At one point the insurance company finally threw us out and told us even if your kids moved to California they wouldn’t accept us. We took all our kids off our insurance before we applied for another policy. So even at 18, with their heads screwed on straight, and being careful, accidents will happen. And since our daughter had to take the highway to get to college we didn’t even want her to drive a junk car, we leased her an inexpensive new car so it wouldn’t break down on her, which she had to share with her brother the following year when he got his license.