New and teen drivers
🪪Insurance for New and Teen Drivers
New and teen drivers often need liability insurance for a license or road test. North Carolina and South Carolina use different proof rules. Pricing and eligibility vary.
Get a driver quote →North Carolina license proof
Some NC transactions use a DL-123 or other accepted proof. Confirm with NCDMV which document applies.
South Carolina road-test proof
SCDMV says the test vehicle needs a valid plate, registration and insurance card. Do not apply NC DL-123 rules to a South Carolina road test.
FAQ
Questions people ask
What is a DL-123? +
A DL-123 is one form North Carolina accepts as proof of liability insurance for certain driver-license transactions. Ask the agency and NCDMV which proof applies to your situation.
What proof is needed for a South Carolina road test? +
SCDMV says the test vehicle needs a valid plate, registration and insurance card. Rental vehicles have additional contract requirements. North Carolina uses different proof rules, including DL-123 in some cases.
Carolinas Coverage Insurance Agency
410 Westinghouse Blvd, Suite B
Charlotte, NC 28273
North Carolina and South Carolina. Spanish and English contact paths.