In order of importance:
(1) Your insurance agent's opinion
(2) Your son's opinion
(3) Your opinion
(4) My opinion
Personal experience: when my son turned 16, he wanted a T/A. Insurance agent said no. Not an extra $100/month, not an extra $500/month, not an extra $1000/month. Just no. He suggested starting with something else, building a good driving record for 2 years, and then they would insure the T/A. My son did, and the insurance company did. Your experience may certainly differ.
I won't tell you what 1969 4 cylinder import we put him in to build his driving record, but he was disappointed that the T/A wouldn't outrun it
Still loved the T/A.
Glad that your son will at least listen to your advice.
Good luck.
Jon.
__________________
"Good carburetion is fuelish hot air".
"The most expensive carburetor is the wrong one given to you by your neighbor".
If you truly believe that "one size fits all" try walking a mile in your spouse's shoes!
Owner of The Carburetor Shop, LLC (of Missouri).
Current caretaker of the remains of Stromberg Caburetor, and custodian of the existing Carter and Kingston carburetor drawings.