well, it depends on the track and insurance company.
I can personally say Speedworld in Whitman AZ doesnt even require a liscense. as for insurance its not their buisnesss what you do, just like with engine mods, ill do whatever and they cant say anything about it.
In the place i was in, All you needed was safety equipment,*long sleeves, jeans, helmet* and to an extent even those were optional , you didnt need a helmet till like 14 seconds. just so long as you keep that in mind and pass inspection you should be good to go. HAVE FUN AND SEND TIMESLIPS