Golf Cart Insurance That Helps Protect Your Ride.
Whether you use your golf cart around the course, community, or private property, it can come with unique insurance considerations. Our agents compare options from 20+ top-rated carriers to help find the right solution.
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Coverage That Goes Beyond the Golf Course
With FirstMark Insurance’s dedicated personal insurance team, you get local experts comparing coverage from over 20 insurance carriers to help find insurance options suited to your golf cart and how you use it—with strong coverage and competitive pricing.
Golf carts aren't just used for getting from one hole to the next. Today, golf carts can be found in neighborhoods, retirement communities, vacation properties, campgrounds, resorts, farms, and other private communities. Some are even modified and equipped for use on certain public roads where permitted by law.
As golf carts become more versatile, golf cart insurance can become increasingly important. An accident involving another person, vehicle, or property could create a significant financial exposure. The cart itself may also represent a substantial investment, particularly when it has been customized or upgraded.
The appropriate insurance can depend on where you drive your golf cart, how frequently it's used, whether it is street legal, who drives it, and the value of the cart and its accessories.
What Types of Golf Carts Can Be Insured?
Insurance may be available for many types of personally owned golf carts and similar vehicles. Depending on the insurance company and eligibility requirements, coverage could be available for:
- Traditional golf course carts
- Neighborhood golf carts
- Street-legal golf carts
- Low-speed vehicles (LSVs)
- Electric golf carts
- Gas-powered golf carts
- Lifted golf carts
- Customized golf carts
- Four-seat and six-seat golf carts
- Golf carts used at vacation properties
Insurance requirements can vary based on the vehicle's classification and where it is operated. A cart used exclusively on private property may have different insurance needs than one regularly driven on public streets.
Golf Cart Insurance Coverage Options
Depending on the insurance company and how the golf cart is used, coverage options may include:
- Bodily Injury Liability – May help provide protection if you're legally responsible for qualifying injuries to another person.
- Property Damage Liability – May help cover qualifying damage you cause to another person's property.
- Collision Coverage – May help pay for qualifying damage to your golf cart resulting from a collision.
- Comprehensive Coverage – May provide protection against certain losses involving theft, vandalism, fire, weather, or other covered events.
- Uninsured/Underinsured Motorist Coverage – May be available for certain qualifying accidents involving an inadequately insured driver.
- Medical Payments Coverage – May help with certain qualifying medical expenses following an accident.
- Accessory or Custom Equipment Coverage – May be available for qualifying upgrades and modifications.
Available coverage, limits, deductibles, exclusions, and eligibility requirements vary by insurance company and state.
Insurance for Street-Legal Golf Carts
Some golf carts are equipped and registered for operation on certain public roads. Requirements can vary considerably by state and local jurisdiction, including where a golf cart or low-speed vehicle may legally be driven.
If you operate your golf cart on public roads, you may need insurance that specifically accounts for that use. Coverage designed for a cart operated only around a private property or golf course may not necessarily provide the protection required for street use.
Owners should accurately describe where and how the cart is driven when obtaining insurance.
Neighborhood Golf Cart Insurance
Golf carts have become popular transportation in residential and planned communities. Owners may use them to visit neighbors, travel to community amenities, go to restaurants, or simply get around the neighborhood.
Even at relatively low speeds, accidents can happen. A golf cart could collide with another cart, automobile, bicycle, pedestrian, mailbox, fence, or other property.
Neighborhood golf cart insurance may provide liability and physical damage coverage for certain qualifying losses, depending on the policy and permitted use.
Does Homeowners Insurance Cover a Golf Cart?
A homeowners policy may provide limited coverage for certain golf carts under specific circumstances, but owners shouldn't assume that their cart is automatically covered everywhere they drive it.
Coverage can depend on factors such as where the golf cart is operated, how it is used, vehicle specifications, and the terms of the homeowners policy.
A separate golf cart policy or endorsement may provide broader protection. An insurance professional can review existing homeowners coverage and determine whether additional insurance might be appropriate.
Insurance for Customized Golf Carts
Golf carts are frequently customized with equipment that can significantly increase their value. A basic cart can quickly become a much more expensive vehicle after upgrades are installed.
Common modifications may include:
- Lift kits
- Custom wheels and tires
- Upgraded seats
- Rear-facing passenger seats
- Lighting packages
- Sound systems
- Enclosures
- Upgraded batteries
- Custom paint or body components
- Performance modifications
Standard coverage may not automatically account for the full value of aftermarket equipment. Owners should disclose significant modifications and ask whether additional custom equipment coverage may be available.
Golf Cart Theft and Physical Damage
Golf carts can be vulnerable to theft because they're relatively compact and may be stored outdoors, under a carport, or at a vacation property for extended periods.
Comprehensive coverage may provide protection against certain qualifying losses involving theft, vandalism, fire, falling objects, or weather-related damage.
Collision coverage may provide protection when the cart is damaged after hitting another vehicle or object. Both types of coverage are subject to applicable deductibles, limits, exclusions, and policy terms.
Golf Carts at Vacation Homes and Seasonal Properties
Golf carts are commonly kept at second homes, beach communities, lake properties, campgrounds, and other seasonal locations. These carts may be used differently from one kept at a primary residence.
Owners should tell their insurance professional where the golf cart is normally stored and operated. Coverage can potentially be affected by the garaging location, seasonal use, transportation between properties, and whether the cart is operated on private or public roads.
How Much Does Golf Cart Insurance Cost?
There isn't one standard price for golf cart insurance. Premiums can vary based on the vehicle, driver, usage, location, and coverage selected.
Factors that may influence insurance costs include:
- Golf cart value
- Electric versus gas-powered
- Street use
- Vehicle classification
- Driver information
- Garaging location
- Customizations and accessories
- Coverage limits and deductibles
- Claims history
A basic cart used exclusively on private property may have very different insurance needs from a customized six-passenger golf cart regularly operated throughout a neighborhood.
Compare Golf Cart Insurance
Whether your golf cart is used on the course, around the neighborhood, or at a vacation property, the insurance should reflect how and where you actually use it.
An independent insurance agent can help review available golf cart insurance options and compare coverage from multiple insurance companies to find a policy appropriate for your cart and its use.
FAQs
Do I need insurance for a golf cart?
Insurance requirements can depend on the state, local laws, vehicle classification, and where the golf cart is operated. Even when insurance isn't legally required, liability and physical damage coverage may provide valuable financial protection.
Does homeowners insurance cover my golf cart?
Homeowners insurance may provide limited coverage for certain golf carts and uses, but coverage isn't necessarily available everywhere the cart is operated. A separate policy or endorsement may be appropriate depending on how and where you use the vehicle.
Can I insure a street-legal golf cart?
Insurance may be available for golf carts and low-speed vehicles operated on public roads where legally permitted. Coverage requirements and vehicle classifications vary by state and local jurisdiction.
Does golf cart insurance cover custom upgrades?
Coverage for custom wheels, lift kits, upgraded seats, batteries, audio systems, and other modifications may be available depending on the policy. Owners should disclose significant upgrades to determine whether additional equipment coverage might be needed.