For now tell them he is not a licensed driver and has no intentions of becoming licensed in the near future.
DISCLAIMER: David J. McCormick is licensed to practice law in the State of Wisconsin and this answer is being provided for informational purposes only because the laws of your jurisdiction may differ. This answer based on general legal principles and is not intended for the purpose of providing specific legal advice or opinions. Under no circumstances does this answer constitute the establishment of an attorney-client relationship.
Tell them exactly what counsel just advised you to say. Nothing will change the unavoidable fact of life that co-habitants living in the same dwelling under the same roof, are bound in certain, varied intangible ways, and this is just one, ie., car insurance.
To wit, this very day I had the great pleasure of sending my father proof of my motorcycle insurance. Why? Because even at 32 years of age, having never purchased a car for myself, and having sold the one I did buy years ago, he and the insurance company are correct regarding the respective liabilities presented by other co-habitants living with you.
MORE TO THE POINT, GET ON THE PHONE AND CALL FRAGOMEN OR THE LIKE (top immigration firms) as they will either turn you away with a small but painful dose of bad news, OR, they will take you on and counsel you through the motions of becoming naturalized, a process which does not or will not turn to auto insurance until much farther down the line, if and when your husband has got his papers in order.
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