Active-duty military personnel, civilian employees and family members age 18 or older are required to take a written test to receive a USFK driver's license. Military personel are issued a USFK driver's license for two years, while DoD civilians are issued a five-year license. Family members age 16 and older may obtain a learner's permit. This is good for driving only during daylight hours on military installations while accompanied by a licensed driver. While insurance costs are high here, you'll find using local companies is usually cheaper than most U.S. companies that can continue service in Korea.
Insurance here is an absolute necessity.
You cannot register your vehicle without it. Additionally, ROK law often demands high payment from individuals involved in accidents, especially when there is injury or death. Most often, it doesn't matter who is at fault.