Ya'll must have the worst driving records on the planet. I don't have any kids on my policy yet, but with a 91 5.0 Vert, 01 Cobra Coupe, 00 Alero and a 03 4 Runner Limited we're only paying about 2,000/year for insurance. That works out to about $166 a month for four vehicles. Plus, I live in the DC metro area which is about the worst in the nation for insurance rates unless you are in Inner City NYC or maybe Detroit or LA.
Even if my premium doubles when my son gets his license, I'm still way below your cost. I don't know how you can think $10,000 a year is a good rate.