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North Carolina car insurance

North Carolina Teen Auto Insurance

Like many other states, North Carolina has adopted a Graduated Driver Licensing (GDL) system. This is intended to reduce the number of accidents caused inexperienced teenage drivers. The system is designed to gradually introduce inexperienced drivers to more and more driving privileges as they gain behind-the-wheel experience culminating in an official North Carolina driver license.

North Carolina Graduated Driver License Requirements
The GDL is intended for aspiring drivers at least 15 years old. The North Carolina GDL has three stages: Limited Learner Permit, Limited Provisional License, Full Provisional License.

Limited Learner Permit:

  • Must be at least 15 years old but less than 18 years old
  • Complete state-approved driver education course
  • Present Driving Eligibility Certificate, high school diploma or GED
  • Pass written, signs, vision tests
  • Provide proof of residency
  • Provide Social Security card

Limited Provisional License:
  • Hold Limited Learn Permit for at least one year
  • Maintain clean driving record

Full Provisional License:
  • Must complete first two stages of North Carolina GDL
  • Maintain clean driving record

North Carolina Teen Driver Restrictions
Limited Learner Permit holders:
  • During first six months, may not drive between 9 pm and 5 am
  • May not drive at any other time unless accompanied by a supervising driver who has had their license for at least 5 years.
  • All passengers must wear a seatbelt
  • Only supervising driver may sit in front seat

Limited Provisional License holders:
  • May drive unsupervised between 5 am and 9 pm and at any time if going to or from work or volunteer work with an emergency, fire/rescue service.
  • Must have supervising driver beside them between 9 pm and 5 am
  • May not transport more than one passenger under 21, excluding family members, unless accompanied by supervising driver, at least 21 years old.
  • May not use a mobile phone while driving
  • Violating these lose could result in loss or delay of driving privileges