In a metal, the charge carriers are free electrons = they're the ones from the outer shell of each atom. Thinking about the formula I = nAvq, there are loads of charge carriers, making n big. The drift velocity only needs to be small, even for a high current.
Semiconductors have fewer charge carriers than metals, so the drift velocity will need to be higher is you're going to have the same current.
A perfect insulator wouldn't have any charge carriers, so n = 0 in the formaula and you'd get no current. Real insulators have a very small n.
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