If I were relocating to another state and need to get a new license will I need to change the insurance to my name if all the cars are under my parents names?

Most likely you will. You need to notify your insurance company of the move immediately so that they can change the garaging address. Ask your agent about whether or not your company even does business in your new state. If you are an adult, you need your own insurance in your name. You vehicles should also be in your name. Whether or not your company does business in the new state or not, you need to get with an independent agent in the new state to check rates. One company may be competitive in one state but not in another.