I'm about to get my drivers permit. Do I need insurance?

Cheapest liability insurance?
"I want a jeep cherokee as a first vehicle and that I cant choose between 4x4. Our friend explained that fourwheeldrive will increace the vehicle insurance. I already believed  insurance  was expensiveSimply how much is gonna expense in Insurance if I get repair car here in califonia?
If I sit to my insurance provider about who lives with me is the fact that considered insurance scam