How does car insurance work for a teenager?

I recently got my license but still do not drive due to the fact that my parents will not pay for insurance. They say it is too expensive but they also said the only way to make it affordable would be by getting me a car, which I seriously do not understand!! I don't want my own car I just want to be able to legally drive one so why would buying me a car and then insuring the car plus myself make it soo much cheaper than just already having me under their insurance and what not??? I just don't get it because once your insured you are able to drive any of the cars in the household so why buy another car just for me?? My parents aren't making sense and do not want to explain it to me. But we own luxury cars so could that be why they won't add me to the insurance? They are getting me a random, affordable used car which I don't mind but I would rather just be insured car or no car. Oh and they let me drive around all our luxury cars when I had my permit so idk why they are doing this to me.

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