He should be a rated driver in the house on something. If not,,,the insurance company could decide to cancel if the teenage driver was not rated, and had a negligent accident.
If he's not driving the parents car then he should not need to be insured for it. He should however be insured for whatever car he "Is" driving. All drivers are required to carry financial responsibility, regardless of who's car they are driving. This can be accomplished by being a scheduled driver on the car owner's policy, or in some cases by a non owners policy. Also bare in mind that parents and legal gaurdians can be held financially liable for the acts of minors.
Not all parents don't want their girls with black teenage boys. There could be a certain reason that some parents don't want their daughters with them. They could be the same reasons as for when they are white. Do they misbehave, or do the parents just not want their daughter to be with them because of their skin color. This question really can't be answered because it can widely vary.
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