Is a non licensed driver insured?

Yes and No. No insurance company will ever insure an un-licensed driver. However, if a non-licensed driver is in an accident, where not At Fault, with another driver who is insured, that insurance may still cover the injuries of the non-licensed driver. This is very tricky, though. Some states have a type of fault where if you were partially at fault for the accident as well, you may have your damages reduced by the % you are at fault; other states will determine that if you are 50% at fault, you get nothing. So, if a state were to determine that you being un-licensed to drive was worth 50% of the fault (that is, you should never have been there for the accident to occur at all), you might not get any coverage whatsoever. So, it depends on whether or not (and to what extent) you were at fault, and what your particular state's policies are for liability.