Golf cart insurance isn't always mandatory, but whether you need it — and what it should cover — depends heavily on how and where you use your cart. Here's a complete rundown of what to consider.
If your golf cart is registered as a street-legal low-speed vehicle (LSV) for use on public roads, most states require liability insurance, similar to a standard car. Carts used only on private property or within a gated community are less likely to have a legal insurance requirement, though many owners carry it anyway.
Golf cart insurance commonly ranges from about $75 to $500 per year, depending on coverage level and use — a wide spread reflecting the difference between basic liability-only policies and more comprehensive coverage.
Many standard auto insurers offer golf cart or LSV-specific policies, and some homeowner's insurance policies include limited liability coverage for golf carts as an add-on. Start by asking your current insurance provider what's available.
It depends on how the cart is used. If it's registered as a street-legal low-speed vehicle, most states require liability insurance. Carts used only on private property may not have a legal requirement, though coverage is often still recommended.
Common options include liability, collision, comprehensive, and medical payments coverage, similar to standard auto insurance categories.
Policies commonly range from about $75 to $500 per year depending on coverage level and how the cart is used.