How to back up with iCloud if I don't have wifi?

Absent Wi-Fi or a MiFi/Jetpack-like solution from your carrier to allow a cellular backup, you can back up to a local Mac or Windows computer using a cable.

For iPhones with 5G—the iPhone 11 is too old for that—it is possible to back up over a 5G network.

mrbill1951 wrote:

IF I DON’T CURRENTLY HAVE WI-FI ACCESS, WHAT CAN I DO TO BACKUP?

Nothing wifi is a requirement to back up to icloud.