Hi, I'm 18 and came VERY close to getting a DeLorean back in Dec. of '99. I live in Alabama, and we have insurance through Nationwide. My Mom talked to our agent and he told us hoe to get FULL coverage for a VERY cheap price....have the car insured as a secondary driver under your parents with you as teh primary driver of the DeLorean. As I stated above though, I live in another state as you, as insurance quotes usually differ slightly between states. Hope this helps some though! Best Luck, Rob