Not if the teen takes responsibility. So don't loan out your car to people who aren't willing to take responsibility for their actions. Surely that's not a massive burden?
This is unjust BS and discriminates against poor families.
Using this line of thinking, it will be a short time until you’re responsible for what a criminal does with your stolen vehicle; after all, you failed to secure it.
I hope you get exactly what you’re asking for, and all the implications thereof (but in a state far from me). I feel certain you won’t enjoy it.