Golf Cart Insurance | TIGON Golf Carts Insurance Guide

Owning a golf cart comes with a lot of perks—convenient transportation, low maintenance, and a fun way to get around your neighborhood or golf course. But just like any vehicle, it comes with responsibilities. One of the most overlooked yet essential aspects of ownership is golf cart insurance. In this guide from TIGON Golf Carts, we’ll explore what it covers, who needs it, and how to make sure you’re fully protected.

What Is Golf Cart Insurance?

Golf cart insurance is a specialized policy designed to protect owners from financial losses related to accidents, theft, or damage involving a golf cart. Coverage varies depending on the provider, but typically includes:

• Property damage liability
• Bodily injury liability
• Collision coverage
• Comprehensive coverage (theft, vandalism, weather)
• Medical payments
• Uninsured/underinsured motorist coverage

Do You Need Golf Cart Insurance?

It Depends on Where You Drive

• Private Property Only: Insurance may not be required, but it’s still recommended.
• Public Roads & Communities: Many states and municipalities require insurance if you drive your cart off private property.
• Golf Courses: Some courses require proof of insurance before allowing cart use.

HOA or Resort Requirements

If you live in a gated community or resort, your HOA or management may require specific insurance coverage for all residents using golf carts.

What’s Covered Under Standard Policies?

1. Liability Coverage

Pays for damage or injury you cause to others while driving your cart.

2. Collision Coverage

Covers repairs if your cart is damaged in an accident.

3. Comprehensive Coverage

Protects against non-collision incidents like theft, fire, or falling objects.

4. Medical Payments

Covers medical expenses for you and passengers if injured in a cart-related accident.

5. Uninsured Motorist Protection

Covers your expenses if the at-fault driver doesn’t have insurance.

Optional Add-Ons to Consider

• Roadside assistance for battery jumps or breakdowns
• Coverage for custom parts and accessories
• Rental reimbursement if your cart is in the shop
• Coverage for off-road use

How Much Does Golf Cart Insurance Cost?

Premiums typically range from $75 to $300 per year, depending on factors such as:

• Cart model and value
• How and where it’s used
• Your driving history
• Chosen coverage levels and deductibles

Tips for Choosing the Right Policy

1. Bundle with Home or Auto Insurance – You may receive discounts by adding golf cart insurance to an existing policy.
2. Shop Around – Get multiple quotes from reputable providers.
3. Review HOA or Legal Requirements – Ensure your policy meets all community or local regulations.
4. Consider Replacement Value Coverage – It can help cover the full cost of replacing your cart if totaled.
5. Work With a Trusted Agent – Look for agents familiar with golf cart policies.

Where to Get Golf Cart Insurance

• Major insurers like GEICO, Progressive, State Farm, and Allstate offer golf cart coverage.
• Specialty providers may offer broader protection for custom or high-performance carts.
• TIGON Golf Carts works with insurance partners and can help you get connected with the right policy and save you some money!

TIGON Golf Cart Insurance

Whether you’re riding to the clubhouse or cruising the neighborhood, golf cart insurance adds a layer of protection and peace of mind. With options for liability, theft, and even customization coverage, there’s no reason to go unprotected. TIGON Golf Carts encourages all owners to evaluate their risk, check local regulations, and invest in the right policy today.

Quick Reference Table: Golf Cart Insurance Essentials