I was a lucky kid who recieved my first car when I turned about 17. It was the current 1991 535i I have now. My dad taught me to drive stick on it and after that I was free to go. I do not pay insurance. Within 2 months I got into an accident while speeding. The damage was not bad just a dented front left fender area.

I had to work off every penny removing cedar trees on our property.

Let me tell you.. after that I was quick to slow down.

Also taking the keys away will not fix the problem. You have to make him work that money off doing jobs for you.