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Discover the Best Car Insurance Companies for Golf Carts in 2022

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 28, 2021

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Key Takeaways

  • Progressive has the lowest golf cart insurance rates
  • Customers can add golf carts to homeowners insurance
  • The best coverage depends on where you’ll drive your golf cart

People with golf carts rarely think about insurance. However, this can leave owners vulnerable should they get into an accident while driving. Fortunately, cheap car insurance is available for golf cart owners.

Progressive has the lowest rates for golf carts, and available coverages are similar to traditional car insurance. However, the best policy depends on whether you drive on public roads or private property.

Learning more about the best car insurance companies for golf carts will help you find the best coverage. Before learning about the best car insurance companies for golf carts, enter your ZIP code to get free auto insurance quotes in your area.

What are the best car insurance companies for golf carts?

Golf cart owners might not think about insurance, but this is a mistake. Those drivers who operate their golf carts around other vehicles especially need protection in case of an accident. For this reason, many car insurance companies offer golf cart coverage.

Comparing the best car insurance companies’ rates for golf carts will help you find the most cost-effective coverage. The following chart shows the average monthly rates for golf cart insurance.

Average Monthly Rates from the Best Car Insurance Companies for Golf Carts
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While most top insurance companies offer coverage, Progressive has the cheapest golf cart insurance. Additionally, some companies provide exclusive off-road policies, allowing you to find even lower rates.

What coverage is available from the best car insurance companies for golf carts?

As previously mentioned, anyone driving a golf cart should get insurance. However, the amount needed depends on how you’ll use the cart. The policies are similar to typical auto insurance plans and primarily cover drivers on public roads.

Some of the most common coverage options offered by the best golf cart insurance companies include:

  • Property damage liability: Pays for golf cart damages to someone else’s property, like crashing into a neighbor’s fence.
  • Bodily injury liability: Pays the medical bills for someone that gets hurt in an accident you cause.
  • Collision: Pays for golf cart repairs if you get into an accident.
  • Comprehensive: Pays for a stolen golf cart or one damaged by a problem like fire, flood, hail, or falling objects.
  • Medical payments: Pays for medical expenses if you or any passengers get hurt in a golf-cart accident.
  • Uninsured/underinsured motorist: Pays medical bills if you’re in an accident with an uninsured or underinsured driver.

Golf carts are not technically low-speed vehicles, but they are very similar. The primary difference is that a golf cart has a maximum speed of 20 miles per hour, and a low-speed vehicle can reach 25 miles per hour. However, the coverage options are often the same.

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What coverage do you need for a golf cart?

While you can get the same coverage for your golf cart as you have for your car, you might wonder how much coverage is necessary. In most cases, the answer to that question depends on where you’ll be driving the cart.

There are more requirements for driving on public roads than on private property, regardless of the vehicle. As a result, if you plan on operating your golf cart on the street, you’ll need to follow all state, county, and city driving requirements.

Each state requires a minimum amount of coverage to operate vehicles on public streets. Golf cart owners are held to the same standards as all other drivers when using public roads. Minimum coverage usually consists of property damage liability and bodily injury liability coverage.

If you intend on keeping your golf cart on private property, you might not need any insurance. However, it’s a good idea to have some coverage, such as property damage liability, in case you accidentally cause damage to a neighbor’s property.

Now that you know that you’ll need some coverage for your golf cart, you might be wondering how much to buy. Cars usually require more coverage than golf carts because they drive faster and on busier streets.

One positive aspect of street legal golf cart insurance is that you don’t usually need collision and comprehensive coverage. This exclusion is a positive because those two, known together as no-fault insurance, are usually the most expensive.

Is a golf cart a low-speed vehicle?

As previously mentioned, golf carts are usually not considered low-speed vehicles. However, it depends on the speed. If your golf cart can go faster than 20 miles per hour, most states consider it a low-speed vehicle.

In this case, you’ll need to display a slow-moving vehicle emblem while driving on public streets. Additionally, some public spaces, like campgrounds, require that golf cart owners carry proof of liability insurance. Insurance companies don’t offer coverage specifically for public spaces, but your liability insurance should be enough.

While the most significant difference between a golf cart and a low-speed vehicle is the top speed, the National Highway Transportation Safety Administration (NHTSA) defines these vehicles. According to the NHTSA, an LSV must have the following:

  • Four wheels
  • Gross vehicle weight rating less than 2,500 pounds
  • Ability to reach speeds of 20 miles per hour but less than 25 miles per hour

Additionally, the NHTSA provides a list of equipment a vehicle must have to be an LSV. This list includes:

  • Head, tail, and stop lights
  • Turn signal lamps
  • Reflectors
  • Rearview mirrors
  • Parking brake
  • Seat belts
  • Vehicle identification number (VIN)

A golf cart must have all of these features to be considered a low-speed vehicle.

Are there any exclusions?

If you buy golf cart insurance, companies will cover your cart in most situations. However, like most auto insurance policies, there are some exclusions. Cases in which a company might deny a golf cart insurance claim include:

  • Using your golf cart for business purposes, like transporting people for money
  • Driving the golf cart in a race
  • Renting the golf cart to someone else
  • Driving the golf cart outside the boundaries of a recognized retirement community or golf course
  • An unlicensed driver operates the golf cart

There are also exclusions to these exclusions. For example, most insurance companies covering golf carts will allow you to drive your cart to a golf course. This is true even if your policy doesn’t cover operation on public roads.

It’s also critical to know that the legality of a situation doesn’t always impact coverage. For example, an unlicensed child might be legally allowed to operate a golf cart, but the insurance company still might deny coverage if the child causes damage.

What discounts are available from the best car insurance companies for golf carts?

According to the Insurance Information Institute, auto insurance companies use various factors to determine rates. The best affordable car insurance companies for golf carts use similar methods for determining golf cart rates as they do for car insurance.

Golf cart insurance will usually be cheaper than car insurance because golf carts are less dangerous to drive. However, you’ll likely still want the best rates. You can achieve this by combining various discounts. Some of the savings available for golf cart insurance include:

  • Bundling policies: You can include your golf cart with your home and car insurance bundle. After insuring your vehicle, you can add your golf cart to the plan.
  • Paying in full: Insurance companies offer discounts for paying your entire annual costs upfront instead of monthly payments.
  • Safety certification: Most insurance companies offer discounts to drivers that complete safe driving courses or join a qualified organization.

Similar to car insurance, you can also lower your monthly rates by raising your deductible. This decision will increase the amount you’ll pay if you get into an accident. However, insurance companies provide lower rates for higher deductibles because it decreases their risk.

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Is coverage required from the best car insurance companies for golf carts?

Most states don’t require golf cart insurance by law. However, you might need liability insurance to drive on public streets. Additionally, while states don’t require coverage, a residential community might.

When driving in a residential community, you’ll have to abide by state, county, and city regulations. However, golf communities can add their own rules. As long as they don’t conflict with local laws, governments allow communities to add their own driving rules.

Residents frequently use golf carts as a primary mode of transportation around golf communities. Many of these communities require all golf cart owners to purchase a specific amount of insurance. This coverage can be as little as liability insurance or a more expensive policy.

Additionally, many homeowners associations require that golf cart owners name the HOA as an additional insured. This covers the HOA if something happens in the community. This requirement is only from the HOA, so the coverage requirements differ in each community.

How can you obtain coverage from the best car insurance companies for golf carts?

The best way to obtain golf cart coverage is through your car insurance company. Since you already have auto coverage, you might be able to add a cart to your current policy. The acceptance process might also be quicker since you’re already a customer.

Some companies offer stand-alone golf cart insurance. However, most companies list golf carts as recreational or off-road vehicles. Additionally, many companies provide golf cart insurance for renters and homeowners. When adding coverage to your existing policy, the best car insurance companies’ quotes for golf carts are as low as $4 per month.

Before adding a golf cart to your renters or home coverage, you should ask about the specifics of their policy. The company might require that you only use the cart on the covered property. If your car insurance company doesn’t cover golf carts, you have other options. Some companies specialize in recreational vehicles, focusing on RVs, ATVs, and other smaller units, including golf carts.

Best Car Insurance Companies for Golf Carts: The Bottom Line

Golf carts can cause and receive damage, just like a car. While you might not think you need golf cart insurance, this coverage will protect you if you get into an accident. Obtaining coverage is especially important if you drive around other vehicles on public roads.

When comparing the best car insurance companies for golf carts, you’ll find that Progressive has the lowest rates. Additionally, you can get coverage for as low as $4 by adding it to your homeowners insurance.

Now that you know about the best car insurance companies for golf carts, enter your ZIP code to find free auto insurance rates from providers in your area.

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