In New York, is a driver's license required to own a car? Or is a learner's permit enough?

I have a learner’s permit but I need to practice on the road a bit before I go test for my license. Nearly everyone I know has a brand new car, so I don’t feel right asking them to practice on their cars. I was considering getting a few lessons with a driving instructor as well. But then I realized: I am looking to buy a car after getting my license, but why not do it before?

I wouldn’t be driving it on my own, of course; I know several licensed drivers willing to sit in the passenger seat while I practice.

Is it legal to own a car with only a learner’s permit? Are there any insurance concerns (ie., can you get car insurance with only a learner’s permit?).