I feel ya. We have four drivers, and four cars. One full coverage, the other three basic liabillity. Paid my $640 insurance bill yesterday. Six more months and the twins are 18, and insurance drops. Can't get here soon enough.
You're teaching him right, man. My 22 year old son loves the 200 and my 18 year old daughter could care less about even getting her license. And that's okay with me. I save money by not having to insure a teenage driver!