As old as your state says you have to be to own a vehicle and / or drivers license. Check state specific laws and post the answer here for others in the same situation.
No. Most insurance companies do not allow a minor to have their own policy because an insurance policy and application are a legal contract and a minor cannot generally be party to a legal contract. I do know of a couple of insurance companies that overlook this and allow even a 16 year old to buy a policy.
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