Whether or not you need insurance for your Denago EV — and what that coverage costs — depends largely on how and where you use it. A cart used only on private property has very different insurance needs than a street-legal LSV registered for public roads.
If your Denago EV is registered as a low-speed vehicle (LSV) for use on public roads, most states require liability insurance, similar to a standard car. Carts used exclusively on private property or within a gated community may not be legally required to carry insurance, though many owners choose to anyway for liability and theft protection.
Golf cart insurance policies commonly range from about $75 to $500 per year, depending on the level of coverage and how the cart is used — a wide range that reflects the difference between basic liability-only coverage and more comprehensive protection.
Many standard auto insurers offer golf cart or LSV coverage, and some homeowner's policies can include limited golf cart liability coverage as an add-on. It's worth calling your current insurance provider first to see what's available before shopping separately.
If it's registered as a street-legal low-speed vehicle, most states require liability insurance. Carts used only on private property may not be legally required to carry it, though many owners still choose to.
Policies commonly range from about $75 to $500 per year, depending on coverage level and how the cart is used.
Many standard auto insurers offer golf cart or LSV coverage, and some homeowner's policies include limited golf cart liability as an add-on — check with your current provider first.