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

Cheapest liability insurance?
"I need a jeep cherokee being a first auto and that I cant decide between 4x4. Our friend explained that fourwheeldrive will increace the automobile insurance. I presently assumed  insurance    was costlyHowmuch is gonna expense in Insurance easily buy repair vehicle within califonia?
Basically lie to my insurance company about who lives with me is that  insurance  fraud that is regarded