As for insurance, some insurance companies may offer policies to 15-year-olds with a learner's permit, while others may not. It is important to check with different insurance companies to see if they offer policies for young drivers and what their requirements are.
Some insurance companies may require the 15-year-old to complete a driver's education course before they can be added to a policy. They may also require the parent or guardian to be the primary driver on the policy and have a certain amount of driving experience.
It is important to note that insurance companies typically charge higher rates for young drivers, as they are considered to be a higher risk. It may be important to shop around and compare quotes from multiple insurance companies before choosing one.