Golf Cart Insurance: Secure Your Ride on and off the Greens

Golf cart enthusiasts, rejoice! Protecting your ride on the course and in your community has never been easier and more affordable. Dive into the world of golf cart insurance with our comprehensive coverage, starting as low as $75 annually for a liability policy.

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Whether you traverse the greens or cruise around your gated community, our specialty golf cart insurance has you covered. Discover the tailored coverages that safeguard you and your vehicle in every golf cart adventure.

Standard Coverages: Shielding Your Journey

  • Bodily Injury and Property Damage Liability
While not mandated in every state, golf cart liability insurance ensures your protection in case you injure someone or damage their property during a ride. The coverage extends to court costs and legal fees, providing a comprehensive safety net.
  • Guest Passenger Liability
In the event of passenger injuries, while riding in your golf cart, guest passenger liability steps in to cover their medical expenses within the limits of your policy.
  • Uninsured Motorist Bodily Injury and Property Damage
Shield yourself and your passengers against the unexpected with uninsured motorist coverage. Whether it’s injuries caused by an uninsured driver or damages to your golf cart, this coverage has you covered.
  • Comprehensive and Collision
Vandalism, theft, fire, or collisions – our comprehensive coverage handles it all. If your golf cart faces damage or requires replacement, this coverage ensures a hassle-free resolution.
  • Medical Payments
In the unfortunate event of a golf cart accident, medical payment coverage takes care of your hospital bills. This optional coverage is crucial, especially if you or your passengers lack health insurance.
  • Accessory Coverage
Did you personalize your golf cart with accessories like a radio, headlights, or a custom paint job? Ensure your upgrades are protected with accessory coverage. With comprehensive and collision coverage, you automatically receive $3,000 in accessory coverage, with the option to extend it up to $30,000.

Golf Cart Insurance FAQ

While golf carts are generally used on golf courses, many people also use them in residential communities, resorts, and for personal transportation. Here’s why you need golf cart insurance:

  • Liability Protection: Golf cart insurance provides liability coverage, protecting you in case you injure someone or damage property while operating your golf cart.

  • Property Coverage: It offers coverage for damages to your golf cart, ensuring that repair or replacement costs are taken care of in the event of an accident.

  • Legal Requirements: In some areas, having insurance for your golf cart is mandatory, just like it is for automobiles.

The requirement for golf cart insurance varies depending on your location and how you use the golf cart. Here are key points to consider:

  • Street Use: If you plan to use your golf cart on public roads, it’s likely that insurance will be required by law.

  • Community Rules: Some residential communities or resorts may mandate insurance coverage for golf carts used within their premises.

  • State Regulations: Check your state’s specific regulations regarding golf cart insurance requirements.

Golf cart insurance typically provides coverage for various scenarios. Here’s what you can expect:

  • Collision Coverage: Covers damages to your golf cart resulting from collisions with other vehicles or objects.

  • Comprehensive Coverage: Protects against non-collision events such as theft, vandalism, or natural disasters.

  • Injury Coverage: Provides coverage for bodily injuries sustained by you or others while using the golf cart.

Yes, you can often add accessories to your golf cart, and coverage for these additions is possible. However, it’s essential to understand the specifics:

  • Customization Coverage: Some policies may include coverage for custom accessories, but it’s crucial to inform your insurer about any modifications.

  • Declared Value: Ensure that the declared value of your golf cart includes the cost of added accessories to guarantee proper coverage.

  • Documentation: Keep documentation and receipts for accessories to streamline the claims process.

Startlingly affordable, liability policies kick off at just $75 annually. Delve deeper into the factors influencing golf cart insurance rates to make an informed decision.



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