You can view if user created communites are enabled on your instance here; lemmy.ml/api/v3/site
That link outputs a wall of text, but all the Instance settings are at the top after "local_site". Optionally you can format the output with a json formatter like jsonformatter.org which makes the output easy to read.
In the case for lemmy.ml, you see ["community_creation_admin_only": true] which means users can not create communities. You can check other instances for one that does allow user created communities. Just replace the root name in that link and get the settings there.
The instance I'm on does allow user created communities. Some instances actually state their settings in the sidebar for convenience, the one I'm on does that.