Having prior insurance as a rating factor tells the insurance a few things. One, will you be able to maintain a policy? Two, how long have you been driving with insurance. Not having insurance because you did not have a license, tells the insurance company that you are an inexperienced driver and they do not know what kind of risk they will be taking by insuring you. This is why your rates are higher. Once you've had insurance for at least six months, your rates will start to go down. The longer you have insurance the better. Good luck and if you have any other questions, don't hesitate to ask. Here
is some information regarding car insurance for new drivers.