I don't know how it is in the US but in the UK, it was a real struggle to afford a car, luckily this year, my insurance dropped to a reasonable £800, compared to the £3000 I was being quoted for last year.

You can get your driving licence when you're 17, but at that point, (usually) you aren't earning enough money to drive a car.

So you're sitting on your license for 4 years, and when the insurers finally believe you can drive without crashing, you better be sure you remember everything you were taught 4 year ago.

I don't think it's cars that are going out of fashion, insurers are pricing 'kids' out of the driving seat.