Golf Cart Insurance

Specialized insurance for your golf cart lifestyle.

Golf carts aren’t just for the course anymore, especially in Florida. Many people use them to get around neighborhoods, retirement communities, beaches, and local streets.But did you know that your homeowners or auto insurance might not cover your golf cart? That’s where golf cart insurance comes in.Golf cart insurance helps protect you, your passengers, and your cart in case of:

Accidents
Injuries
Theft
Vandalism
Property damage

It’s similar to auto insurance but customized for low-speed vehicles like golf carts.

Is It Required in Florida? It depends:

For basic golf carts (max speed under 20 mph used on private property): Insurance is not required by law, but it’s strongly recommended.
For street-legal golf carts (Low-Speed Vehicles or LSVs, 20–25 mph): Insurance is required in Florida—just like a car. Street-legal carts must be registered, titled, and insured with PIP (Personal Injury Protection) and Property Damage Liability at a minimum.

Typical coverage options include:

Property Damage Liability: Covers damage to someone else’s property or vehicle if you’re at fault.
Bodily Injury Liability: Covers injuries you cause to other people.
Collision Coverage: Pays to repair your golf cart after an accident.
Comprehensive Coverage: Covers theft, vandalism, fire, and weather-related damage.
Uninsured/Underinsured Motorist: Helps if someone hits you and doesn’t have enough (or any) insurance.
Medical Payments: Helps with medical bills for you or your passengers after an accident.

Why Get Golf Cart Insurance in Florida?

Frequent use in communities, beaches, and public roads: Increases risk.
Weather risks like hurricanes and flooding: Can damage your cart.
Theft and vandalism: Happen more often than you might expect.
Liability protection: Helps if you accidentally injure someone or damage property.