It depends on the charge.
Providing that you are legally "fully" licensed (not a learners permit) there should be no difficulty in driving your parent(s).
Yes. As long with a parent or Gardian.
No, there must be a licensed driver with the permit driver.
No, the teeager is covered by the parent or whoever sign for them to get the permit.
Allstate will not charge you for a driver with a learners permit for the first year.
You would be added as an occasional driver after one is licensed. When divorced it is up to either parent to add them. If they will be driving both parents cars then they will need to be on both policies.
No.
15 for a learners permit and 16 to drive by yourself
A full licence is, but a learner's permit is not.
You should consult your region's laws. Typically a driver with a learners permit requires a passenger in the front seat whom is capable of driving if the need arises.
no