It is possible to get cheap car insurance for young drivers. You would have to have a good credit score. Your parents could also c-sign for you so you can get a better rate.
Insurance license requirements vary by state and are set by the state's DOI (Department of Insurance). In order to verify your state's licensing requirement, contact your DOI
The process I used was to interview with the insurance company I wanted to work with and make use of their contacts and methods to obtain my license, which involved passing a written exam and paying...