Do I need to Insure My Golf Cart?

Whether you need to pay insurance for a golf cart depends on how and where you use it. Here's a breakdown:

When Insurance Is Required

• Public Roads: If you drive your golf cart on public roads (where allowed), most states require liability insurance at minimum. Some areas classify golf carts as Low-Speed Vehicles (LSVs), which typically require registration, insurance, and a valid driver's license.
• Gated Communities or Resorts: Certain private communities may mandate insurance as part of their rules.
• Golf Courses: While courses rarely require insurance for carts rented on-site, you may need coverage if you use your personal golf cart on the course.
• Business Use: If you’re using a golf cart for commercial purposes (e.g., at a dealership, for events, etc.), insurance is strongly recommended.

Types of Coverage

• Liability Insurance: Covers injury or damage you may cause to others.
• Comprehensive Insurance: Protects your golf cart from theft, vandalism, or natural disasters.
• Collision Insurance: Covers damage to your golf cart in case of an accident.
• Uninsured Motorist Coverage: Helps if you're hit by someone without insurance.

Cost Factors

Insurance costs vary based on the cart's value, how you use it, and your location. Standard policies may range from $75 to $300 per year for personal use.