Golf Cart Insurance: Do You Need It and What Does It Cover?

Updated Sep 16, 2025

If you own a golf cart or LSV (low-speed vehicle), you should consider getting golf cart insurance.

That's because golf cart insurance is the only way to fully protect you and your cart if you cause an accident. In addition, most states require you to have insurance if you drive your golf cart or LSV on public roads.

Many insurance companies offer golf cart coverage as a part of their motorcycle insurance policy. Few offer quotes online, so you'll probably need to contact an agent to compare rates.

Do you need insurance on a golf cart?

Golf cart insurance is typically a good idea because it's the only way to fully protect yourself and your cart. But whether you truly need insurance depends on the type of golf cart and how you use it.

If you own a typical two-passenger golf cart and use it only while playing at a course, you may not need insurance. That's because the personal liability portion of your home or renters insurance policy may cover injuries to others or damage you cause while driving the cart on the course.

However, coverage varies by company, so you should check your policy or call your agent to make sure you're covered.
If your golf cart holds four or more passengers, goes faster than 20 mph or you drive it on public roads, you probably need golf cart insurance.

Even if your state doesn't require golf cart insurance, you're responsible for any damage or injuries you cause while driving. Insurance will help you avoid a big bill if you cause an accident.

Do I need golf cart insurance in my state?

Not every state has specific laws related to golf cart insurance. Even if your state doesn't require you to have coverage, your city, town or homeowners association may have rules about registering or insuring your cart. So it's important to do your research before taking your golf cart on public roads.

Arizona

California

Florida

Nevada

North Carolina

South Carolina

Texas

Arizona requires golf carts to have insurance with the same minimum limits as all other vehicles.

Required golf cart insurance in Arizona

Bodily injury liability coverage: $25,000 per person and $50,000 per accident
Property damage liability coverage: $15,000 per accident

What does golf cart insurance cover?

Golf cart insurance is similar to auto or motorcycle insurance. In fact, many insurance companies cover golf carts under their motorcycle insurance policy, along with scooters, mopeds, ATVs and other vehicles. As with motorcycles, a variety of coverages are available for golf carts.

How much is golf cart insurance?

Golf cart insurance is much cheaper than regular car insurance. That's because golf carts have relatively slow maximum speeds, so they can't cause as much damage as other vehicles.

For example, a liability-only golf cart policy from Progressive costs around $81 per year. That's less than $7 per month.

Full coverage golf cart insurance, which includes collision and comprehensive coverage, costs around $538 per year from Progressive, or $45 per month.

However, your policy may cost more if you have an LSV that goes faster than 25 mph or you're shopping for a full coverage policy for a very expensive model.

How to find cheap golf cart insurance

To find the best cheap golf cart insurance, you should start by comparing quotes from multiple companies.

Shopping around for golf cart insurance is a bit more difficult than comparing car insurance quotes because most companies don't offer online quotes. You'll have to call each insurance company and speak to an agent to get quotes.

Which insurance companies offer golf cart insurance?

	State Farm
	USAA*
	Nationwide
	Safeco
	Travelers

*USAA is only available to military members, veterans and some of their family members.

You may want to consider buying golf cart insurance through a local independent insurance agent.

Independent agents work with multiple insurance companies, so they can compare quotes on your behalf. This could save you a lot of time. In addition, a local agent should have an understanding of the local golf cart laws, which can help ensure you're properly covered.

Since golf cart insurance is typically quite cheap, you probably won't benefit much by searching for discounts.

If you already have auto, home or renters insurance, it's worthwhile to get a quote from your current company because it may offer a discount for bundling multiple policies.
Smaller discounts such as a paperless billing discount likely won't make much difference.

If your golf car insurance quotes are still too expensive, consider getting rid of coverage you don't need. Collision and comprehensive coverage are the only way to protect your golf cart against damage, but they may not be worth the added cost if you have a used or inexpensive cart.

Frequently asked questions

Are golf carts covered under homeowners insurance?

Golf carts aren't typically covered by homeowners insurance. Some policies may cover damage or injuries you cause while driving your cart on the course or your own property. But if you're on a public road or you have a modified cart that goes over 20 mph, home insurance probably won't pay for damage you cause. In addition, homeowners insurance doesn't pay for damage to your own cart.

What is the best way to insure a golf cart?

A golf cart insurance policy is the best way to insure a golf cart. It's the only way to ensure you're fully protected if you cause an accident while driving your cart. Home insurance may cover some situations, such as an accident you cause while driving on the course, but it won't pay for accidents on public roads, damage to your cart or your own injuries.

Does car insurance cover golf cart accidents?

No, your car insurance policy typically won't pay for an accident you cause while you're driving a golf cart. If you own a golf cart, you should buy a golf cart insurance policy to pay for any damage you cause while driving it.

Methodology

To find the average cost of golf cart insurance, ValuePenguin editors collected quotes from Progressive for addresses in Florida, Texas and South Carolina. Rates are for a 40-year-old single man with a clean driving record who owns a 2022 Club Car Precedent.

Full coverage quotes include higher liability limits than the state requirement, along with collision and comprehensive coverage.

Bodily injury liability: $50,000 per person and $100,000 per accident
Property damage liability: $25,000 per accident
Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
Personal injury protection: Minimum where required
Collision and comprehensive deductible: $500

About the Author

Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.

Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.

After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.

When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.

How insurance helped Lindsay

As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.

Expertise

Home insurance
Car insurance
Flood insurance
Renters insurance
Motorcycle insurance

Referenced by

CNBC
Yahoo Finance
Miami Herald

Education

BS/BA Economics, University of Nevada Las Vegas

Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.