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Do I Need Insurance For My Golf Cart?

Jan. 29 2026 Buying Guide By Electric Cart Company

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In Florida, traditional golf carts that are not registered and are used within private neighborhoods or on golf courses are not required by law to carry insurance. However, once a golf cart is upgraded and made street legal, commonly referred to as a Low-Speed Vehicle (LSV) it must be titled, registered, and insured in the same way as a standard automobile.

Standard Golf Carts (Not LSVs)

Although insurance coverage is not mandated by the state for typical golf carts, obtaining coverage is still a smart choice to help protect against unexpected expenses.

  • Homeowners Insurance Limitations: Some homeowners policies may provide minimal liability coverage, but usually only while the cart remains on your own property or within very limited areas such as a golf course. Coverage often ends once the cart is driven elsewhere in the community or on public-access roads.

  • Dedicated Golf Cart Policies: Specialized insurance policies for golf carts generally offer broader protection. These plans can include liability coverage, collision protection, coverage for theft or weather-related damage, and medical payment options.

Street-Legal Golf Carts (LSVs)

When a golf cart is modified to meet LSV requirements and registered through the Florida Department of Highway Safety and Motor Vehicles (FLHSMV), it is legally treated as a motor vehicle. LSVs typically travel between 20 and 25 mph and may operate on roads with speed limits of 35 mph or lower. Because of this classification, insurance becomes mandatory.

Minimum insurance requirements under Florida law include:

  • $10,000 Personal Injury Protection (PIP)

  • $10,000 Property Damage Liability (PDL)

  • Must be Florida Automobile Insurance

Operating an LSV without proper insurance can lead to penalties, including fines or suspension of driving privileges. Click here for the LSV and NEV State Law.

Important Points to Keep in Mind

  • Possible Coverage Gaps: Auto or homeowners insurance policies often do not fully cover golf cart usage, particularly once the vehicle leaves private property or travels beyond limited areas.

  • Community or HOA Requirements: Some communities or homeowners associations may require residents to insure their golf carts, even when state law does not.

  • Insurance Costs: Insurance designed specifically for golf carts is usually affordable. LSV policies may cost more due to road usage risks, often ranging between $150 and $400 annually depending on coverage details and location.

  • Insurance Providers: A number of insurers in Florida offer policies tailored to golf carts and LSVs, including major carriers and local agencies.

For the best protection, it’s advisable to consult with a licensed insurance agent who can recommend coverage suited to how and where the golf cart will be used.