Student Insurance Situation

Hi, I'm currently a 20-year old (turning 21 in a week) college student who has an apartment residency at school but is back home and looking to have car insurance for the summer. For context, I was at fault in a minor accident in July 2022.

Due to the accident, my parents' umbrella insurance provider is raising the cost from $800 to $10,000 with me added to the plan. Are there any other options such as non-owner insurance or generally my own insurance plan? I'm fine with my history raising the premiums, as it'll be cheap compared to $10k.

Thanks so much!