What? What planet are you living on? There is no insurance requirement to get a drivers license, and no requirement for a drivers license for that matter. Most states will require you to have insurance in order to register your car, but that is not the same thing as having Drivers License or State ID.
Care to retract your fabrication and start over?
Insurance requirements vary by state.
You are required to have liability insurance to get a driver's license in the state of North Carolina, USA. This is a requirement even if you don't own a vehicle. You may get a state ID card without insurance. The liability insurance follows the person, not the car. For example, if person A drives persons B's car into person C's car, then person A's liability insurance covers C's car, but not B's. Person A & B's insurance companies would have to figure out who covers the damage on person B's car.