What is golf cart insurance?
Golf cart insurance protects you financially if your cart is involved in an accident where someone is hurt or their property is damaged. Like an auto insurance policy, it provides liability protection for damage or injury caused while driving and can also include coverage for the cart itself. Coverage varies depending on the insurance company and the type of policy.
Golf cart insurance is a policy that provides liability protection for injuries and property damage caused while driving a golf cart, and can include physical damage coverage for the cart itself. It is available in three forms: as an endorsementAn endorsement is a supplement or change to an insurance policy. It amends the original policy and can increase or decrease coverage, change names or update addresses. on a homeowners insurance policy, as a standalone golf cart policy, or as a low-speed vehicle (LSV) insurance policy. The right choice depends on where you drive the cart.
Golf cart insurance coverage types
Golf cart insurance coverages are similar to car insurance, and you can choose coverage and limits based on your needs, including:
- Property damage liability: Pays for damage to another person's property.
- Bodily injury liability: Pays for injuries caused to another person.
- Collision: Pays for damage to the golf cart from a collision with another vehicle or object, regardless of fault.
- Other than collision (comprehensive): Covers fire, theft, and weather damage; most types of non-collision damage.
- Guest passenger liability: Covers injuries to passengers riding in your golf cart.
- Medical payments: No-fault coverage for injuries while using the golf cart.
- Accessories coverage: Covers upgrades you have made to your golf cart, like adding a stereo or custom steering wheel.
People ask
Does car insurance cover golf cart accidents?
No. Your car insurance will not cover your golf cart, and you can't buy car insurance for a golf cart.
Do you need insurance on a golf cart?
You need golf cart insurance if you drive anywhere other than your own private property, including golf courses, public roads, and gated community roads. Your state or HOA may also require a minimum level of coverage. If you drive only on private property, insurance is optional but still recommended to protect against theft, weather damage, and liability.
Here's a quick guide to insuring different types of golf carts.
| Golf cart resembles | Golf cart type | How it's used | Insurance options |
|---|---|---|---|
| Basic—similar to using a riding mower | Standalone golf cart or low-speed vehicle insurance (LSV) policy | Homeowners insurance with a golf cart endorsement or standalone policy |
| Speed-modified—up to 25 miles per hour on neighborhood streets | Some street driving; may include safety features such as seat belts. | Standalone golf cart or low speed vehicle insurance (LSV) policy |
| All-terrain vehicle (ATV)—use on neighborhood and city streets | Regular use on streets as well as golf course. | Standalone golf cart insurance policy or specialty ATV policy |
In many golf communities, the HOA requires golf cart owners to purchase specific insurance for golf carts and name the HOA as an additional insured.
A standalone golf cart policy provides broader coverage than a homeowners endorsement and covers use on public roads, which a homeowners endorsement typically does not. If you drive on public roads or in a gated community, a standalone policy is the correct choice.
Are golf carts covered under homeowners insurance?
No, your golf cart is not covered by your home insurance policy unless you add it as a rider on the policy, which is usually inexpensive.
However, a standalone policy will offer better coverage and may not be much more expensive.
In Arizona, driving a golf cart on a public road requires liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people.. Florida does not require insurance on golf carts unless they are classified as low-speed vehicles, but some Florida roadways are designated specifically for golf cart use.
How golf cart insurance applies in common scenarios
Coverage depends on the location of the incident, the cart type and how it is used. These common scenarios outline how a golf cart policy might apply.
| Scenario | Covered by | Not covered by |
|---|---|---|
| Golf course, basic cart, damage to golf course property | Homeowners, golf cart insurance | - |
| Golf course, ATV, damage to the cart | Golf cart insurance | Homeowners insurance |
| City street, NEV, collision with another vehicle | Golf cart or auto insurance | Homeowners insurance |
| Outside a golf course, basic cart, cart is stolen | Golf cart insurance (comp) | Homeowners insurance |
It's important to understand the exclusionsItems that are specifically denied coverage under the terms of an insurance policy. For example, most auto insurance policies exclude coverage for normal wear and tear, drag racing and intentional acts. and limitations of your golf cart insurance policy, especially as they apply to:
- Who can drive the cart (age exclusions)
- Where the cart is operated (on or off course, private or public land)
Golf cart insurance laws by state
Most states require golf cart insurance for carts registered as LSVs; some states defer to local ordinances. New Hampshire is the only state where golf cart insurance is not required by state law; the state doesn't require car insurance by law but does require drivers to be financially responsible in an accident, a law that also applies to golf carts.
| State | Golf cart insurance required? | Minimum liability limits | Specific conditions for insurance requirement |
|---|---|---|---|
| Alabama | Required | 25/50/25 | Required if registered as LSV |
| Alaska | Required | 50/100/25 | Required if registered as LSV |
| Arizona | Required | 25/50/15 | Required for road-use golf carts/LSVs |
| Arkansas | Conditional | 25/50/25 | Conditional; LSVs required, local carts vary |
| California | Required | 30/60/15 | Required if registered as NEV/LSV |
| Colorado | Required | 25/50/15 | Required if registered as LSV |
| Connecticut | Required | 25/50/25 | Required if registered as LSV |
| Delaware | Required | 25/50/10 | Required if registered as LSV |
| Florida | Required | 10/20/10 | Required for LSVs; PIP state |
| Georgia | Conditional | 25/50/25 | Conditional; LSVs required, local PTVs vary |
| Hawaii | Required | 40/80/20 | Required if registered as NEV; PIP state |
| Idaho | Required | 25/50/15 | Required if registered as LSV |
| Illinois | Required | 25/50/20 | Required if registered as LSV |
| Indiana | Conditional | 25/50/25 | Conditional – depends on local ordinance |
| Iowa | Conditional | 20/40/15 | Conditional; LSVs required, local carts vary |
| Kansas | Conditional | 25/50/25 | Conditional; LSVs required, local carts vary |
| Kentucky | Required | 25/50/25 | Required for LSVs and local-road golf carts |
| Louisiana | Required | 15/30/25 | Required if registered as LSV |
| Maine | Required | 50/100/25 + MedPay/UM | Required if registered as LSV |
| Maryland | Required | 30/60/15 + PIP/UM | Required if registered as LSV |
| Massachusetts | Required | 25/50/30 | Required if registered; PIP state |
| Michigan | Required | 50/100/10 | Required for LSVs; golf carts exempt from no-fault |
| Minnesota | Required | 30/60/10 | Required if registered; PIP state |
| Mississippi | Conditional | 25/50/25 | Conditional – depends on local ordinance |
| Missouri | Conditional | 25/50/25 | Conditional – depends on local ordinance |
| Montana | Required | 25/50/20 | Required if registered as LSV |
| Nebraska | Conditional | 25/50/25 | Conditional – depends on local ordinance |
| Nevada | Required | 25/50/20 | Required if registered as LSV |
| New Hampshire | Not Required | 25/50/25 | Not required by law (financial responsibility) |
| New Jersey | Required | 35/70/25 | Required if registered; PIP state |
| New Mexico | Required | 25/50/10 | Required if registered as NEC/LSV |
| New York | Required | 25/50/10 | Required if registered; PIP state |
| North Carolina | Required | 50/100/50 | Required if registered as LSV |
| North Dakota | Required | 25/50/25 | Required if registered; PIP state |
| Ohio | Required | 25/50/25 | Required for street-legal registered vehicles |
| Oklahoma | Conditional | 25/50/25 | Conditional – depends on local ordinance |
| Oregon | Required | 25/50/20 | Required if registered as LSV |
| Pennsylvania | Required | 15/30/5 | Required if registered as LSV |
| Rhode Island | Required | 25/50/25 | Required if registered as LSV |
| South Carolina | Required | 25/50/25 | Required for permitted golf carts and LSVs |
| South Dakota | Conditional | 25/50/25 | Conditional – depends on local ordinance |
| Tennessee | Required | 25/50/25 | Required if registered as LSV |
| Texas | Required | 30/60/25 | Required for LSVs; golf carts exempt by state law |
| Utah | Conditional | 30/65/25 | Conditional; LSVs required, golf carts exempt |
| Vermont | Required | 25/50/10 | Required if registered as NEV |
| Virginia | Required | 50/100/25 | Required if registered as LSV |
| Washington | Required | 25/50/10 | Required if registered as LSV |
| West Virginia | Required | 25/50/25 | Required if registered as LSV |
| Wisconsin | Conditional | 25/50/10 | Conditional; LSV/NEV required, local carts vary |
| Wyoming | Required | 25/50/20 | Required if registered as MPV |
Source: Golf Cart Search
How much is golf cart insurance?
Golf cart insurance costs an average of $6 a month for a homeowners endorsement, and a standalone speed-modified golf cart policy can cost $100 a month or more, according to Kin Insurance, and about $7 a month for standalone liability-only coverage, and $50 a month for standalone full coverage, according to Golf Cart Search.
| Coverage type | Average monthly cost |
|---|---|
| Homeowners endorsement | $6 |
| Standalone, liability only | $7 |
| Standalone, full coverage | $50 |
| Speed-modified cart, standalone | $100 |
Source: Kin Insurance, Golf Cart Search
The cost of golf cart insurance is lower if the golf cart is used exclusively off-road, in which case you can buy ATV insurance. For on-road golf carts, some insurers, like Progressive, offer a modified motorcycle insurance policy or, like The Hartford, a modified low-speed vehicle (LSV) policy.
The annual cost of golf cart coverage ranges by state from as low as $80 a year in Wyoming and South Dakota to as high as $600 a year in Michigan.
The table below shows average annual rate ranges in each state based on estimates from Golf Cart Search.
| State | Average annual cost |
|---|---|
| Alabama | $100–$300/yr |
| Alaska | $125–$350/yr |
| Arizona | $100–$275/yr |
| Arkansas | $90–$250/yr |
| California | $150–$400/yr |
| Colorado | $100–$300/yr |
| Connecticut | $125–$350/yr |
| Delaware | $110–$300/yr |
| Florida | $150–$450/yr |
| Georgia | $110–$300/yr |
| Hawaii | $125–$350/yr |
| Idaho | $85–$250/yr |
| Illinois | $110–$325/yr |
| Indiana | $90–$275/yr |
| Iowa | $85–$235/yr |
| Kansas | $100–$300/yr |
| Kentucky | $110–$300/yr |
| Louisiana | $150–$450/yr |
| Maine | $100–$275/yr |
| Maryland | $125–$325/yr |
| Massachusetts | $150–$400/yr |
| Michigan | $200–$600/yr |
| Minnesota | $110–$300/yr |
| Mississippi | $100–$300/yr |
| Missouri | $90–$275/yr |
| Montana | $85–$250/yr |
| Nebraska | $85–$250/yr |
| Nevada | $125–$350/yr |
| New Hampshire | $85–$225/yr |
| New Jersey | $150–$450/yr |
| New Mexico | $95–$260/yr |
| New York | $175–$500/yr |
| North Carolina | $100–$300/yr |
| North Dakota | $85–$250/yr |
| Ohio | $95–$265/yr |
| Oklahoma | $100–$300/yr |
| Oregon | $100–$300/yr |
| Pennsylvania | $125–$375/yr |
| Rhode Island | $125–$350/yr |
| South Carolina | $110–$300/yr |
| South Dakota | $80–$225/yr |
| Tennessee | $105–$290/yr |
| Texas | $115–$325/yr |
| Utah | $100–$275/yr |
| Vermont | $85–$250/yr |
| Virginia | $100–$300/yr |
| Washington | $100–$300/yr |
| West Virginia | $95–$260/yr |
| Wisconsin | $95–$260/yr |
| Wyoming | $80–$210/yr |
Source: Golf Cart Search
People ask
How much is golf cart insurance in Florida?
Florida golf cart insurance ranges from $150 to $450 a year, depending on the coverage, type of cart and driver history, according to Golf Cart Search data.
Are there golf cart insurance discounts?
Golf cart insurance discounts include bundling, homeownership, occupational, switching, motorcycle endorsement, paying upfront, and safety certification, though availability varies by insurer.
| Golf cart insurance discount | How the discount works |
|---|---|
| Bundling golf cart insurance | The bundling discount applies when you have additional policies with the same carrier as your golf cart insurance. |
| Homeowners | Discounts may be available if you own your home. |
| Occupational | Some insurers provide discounts to people in certain occupations. |
| Switching | Certain insurers provide discounts of up to 15% when you switch over from another insurance company. |
| Motorcycle | Savings may also be available if you obtain a motorcycle license or endorsement. |
| Paid up-front | Some companies offer a discount if you pay your golf cart insurance premium up front for the entire year. |
| Safety certification | Taking safety courses, joining qualifying organizations or being a responsible driver may save you money. |
As always, you are likely to pay less if you are willing to take on a higher deductible (the portion of a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. you pay before your insurance pays the rest).
Steps to buy golf cart insurance
If you need golf cart insurance, there are a few ways to get it.
- Contact your current insurance company. You may be able to insure your golf cart by adding it to your home insurance policy as a rider. If not, they might be able to offer you a quote for a standalone policy.
- Compare quotes from multiple companies. Don't just go with the home insurance quote; compare standalone options as well. It's best to get three to five quotes.
- Narrow down which policy option is best for you in terms of rates and coverage.
- Compare the companies; look for insurance companies with a solid reputation for claims and customer service.
- Finalize the policy. You'll pay your first premium and receive proof of insurance.
Which insurance companies sell golf cart insurance?
Most major carriers offer golf cart insurance, including Allstate, Progressive, Nationwide and GEICO. You can also buy it from specialty companies such as Foremost, which is part of the Farmers Insurance Group.
Ways to save on golf cart insurance premiums
The most effective ways to reduce golf cart insurance costs are bundling with an existing home or auto policy, choosing a higher deductible, and keeping the cart off public roads.
- Limit street driving: Keep your golf cart off-road and don't drive in busy areas
- Ask about multi-policy or bundling discounts if you buy your coverage from the same insurance company as your home and auto
- Stay accident-free and don't file small claims
- Choose a higher deductible if you can afford it
Golf cart insurance for retirees and seasonal drivers like snowbirds
Retirees and seasonal drivers using golf carts in retirement communities or RV parks should verify insurance requirements in each state they drive, since requirements differ. Florida does not require insurance on golf carts that are not classified as low-speed vehicles, but it does have designated golf cart roadways. Arizona and North Carolina require minimum liability coverage for golf carts on public roads.
- Florida: No insurance required for standard golf carts; designated golf cart roadways exist
- Arizona: Liability insurance required for golf carts on public roads
- North Carolina: Minimum coverage required for golf carts on public roads
If you won't be driving the cart on public roads, getting some insurance coverage for an off-road vehicle is still a good idea. Driving an uninsured golf cart on a public road where coverage is legally required exposes you to fines and personal liability for any injuries or property damage.
Should you get golf cart insurance?
If you own a golf cart, you should carry liability insurance at the very least. It will protect you from potentially expensive claims. However, carrying extended coverage is a good idea if you use the cart frequently, and especially if you drive on public roads.
Golf cart insurance is generally inexpensive and worth the purchase.
Source
Golf Cart Search. "Golf Cart Insurance." Accessed June 2026
FAQ: Golf cart insurance
Does GEICO insure golf carts?
Yes, GEICO insures golf carts as part of its powersports insurance product line, although it does not insure street-registered golf cars in certain states.
What's the difference between golf carts and low-speed vehicles?
In general, a golf cart has a lower maximum speed than a low-speed vehicle or neighborhood electric vehicle (NEV). While the maximum speed on a golf cart ranges between 15 and 20 mph, a low-speed vehicle can go up to 25 mph. Low-speed vehicles have more of the features of cars, like turn signals, lights and seatbelts. Some insurance companies cover both with the same type of policy.
Is there special coverage for golf carts?
Yes, most major insurers offer specialized golf cart coverage. This coverage is typically structured as a modified motorcycle or ATV/off-road insurance policy, adapted to address the specific liability, physical damage, and use-case needs of golf carts.
What if I get into a golf cart accident and the other driver doesn't have insurance?
With most golf cart policies, you can get uninsured/underinsured motorist coverage. This is the type of coverage you'd need if you were in an accident and the other driver was at fault but did not have their own insurance. If you caused the accident, your policy will cover you.
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January 20, 2026
