All I can say is that American car insurance must work very differently to British car insurance. I for one don't think it's fair that American teenagers can easily drive Cadillacs, SUVs, pickups and other large cars when British teenagers struggle to get insured on anything larger than a 1.6 litre Ford Focus. And I used to pay through the nose for my car insurance (now I'm a little older and I've been driving a few years it's not so bad), even if I'd been a named driver on one of my parent's cars it would still have cost more to add me (at 3rd party level) then they'd be paying for their own compresense converage (of course a 19-year-old is a higher risk than a 50-year-old whose been driving for 30 years). But it seems in America a parent only needs to a normal policy and his kid is covered drive the car, they don't have to pay extra, there doesn't seem to be any of this "named driver" stuff.