Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Aug 30, 2021

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Key Takeaways

  • Golf cart insurance offers protection against damage to a golf cart or damage caused by a golf cart
  • Many major car insurance companies provide golf cart insurance or a policy that offers equivalent coverage
  • If you use your golf cart on public roads or have a modified golf cart, your state may require that you hold a certain amount or type of insurance

Golf carts are for more than just the golf course. Your golf cart could be used to get around campgrounds, college campuses, and neighborhood parks. However, there is some risk to using one.

Some of the main causes of golf cart injuries include falling or jumping from a moving cart, getting hit or run over by a moving cart, getting into an accident with another golf cart or vehicle, and having an overturned golf cart.

Shop around to buy golf cart insurance policies to cover you in the case of accidents like these or when other types of damage occur to your golf cart. Keep reading to learn more about golf cart insurance and how to find the best car insurance companies for golf cart coverage.

If you need help getting golf cart insurance quotes, enter your ZIP code into our free quote comparison tool above.

What are the best car insurance companies for golf cart insurance?

Many major car insurance companies sell golf cart insurance or an equivalent policy type that provides sufficient coverage, such as motorcycle coverage, a low-speed vehicle policy, or ATV insurance.

The first place to look for a golf cart insurance company may be your current car insurance company. Below is a list of the top car insurance companies:

Company Group/group/code Company NameDirect Premiums WrittenLoss RatioMarket Share
Allstate Insurance Group$106,16157.26%5.74%
American Family Insurance Group$227,15765.57%12.29%
Farmers Insurance Group$119,88553.98%6.48%
Iowa Farm Bureau Group$138,91464.96%7.51%
Liberty Mutual Group$61,41857.55%3.32%
Nationwide Corp Group$81,47662.46%4.41%
Progressive Group$199,25259.35%10.78%
State Farm Group$374,07964.37%20.23%
USAA Group$102,54471.90%5.55%
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Some companies specialize in insurance products for golf carts, including Good Sam golf cart insurance. However, while these niche types of golf car insurance companies may have more expertise on the subject, they may also have higher prices and fewer options for savings.

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What is golf cart insurance?

Golf cart insurance is a type of coverage that can protect your golf cart and other property that could be damaged by your golf cart.

Your coverage is determined by the company that you choose and the type of coverage that you buy. Below are some common types of golf cart insurance coverages:

  • Property damage liability: This provides coverage for damage that your golf cart causes to another person’s property.
  • Bodily injury liability: This provides coverage for injuries to another person caused by an accident with your golf cart. It may also cover legal fees.
  • Collision: This provides coverage for damage to your golf cart in an accident, regardless of fault.
  • Comprehensive: This provides coverage for damage to your golf cart from other incidents, such as weather, theft, or vandalism.

Golf cart insurance is similar to car or motorcycle insurance, and some companies will even cover golf carts under their motorcycle insurance policies.

How much are golf cart insurance rates?

Golf cart insurance rates will depend on many different factors, such as the vehicle weight, speed capabilities, and where you plan on driving your golf cart.

If you have a low-speed golf cart and plan to use it only off-road, you can get simple coverage like golf cart insurance for campgrounds through your home insurance provider for as little as $4 per month.

If you buy a separate golf cart insurance policy for a low-speed vehicle for off-road use, you may end up paying around $12 per month.

For golf carts that reach higher speeds and can be used on the road as a second vehicle, you could be paying from $33 to $100 per month.

You may be able to reduce your golf cart insurance rates by choosing to have a higher deductible or by bundling with another insurance policy, such as home or car insurance.

Should I buy golf cart insurance?

Depending on where you live and how you plan on using your golf cart, you may or may not be required to have insurance.

If you plan on driving on public roads, your insurance requirements are likely to be more strict than if you only use your golf cart for off-road recreation.

For example, Arizona car insurance laws require that all golf carts driven on public roadways must meet the liability requirements for car insurance. However, Florida car insurance laws allow golf carts on designated roads without registering or insuring them.

If you have an unmodified golf cart that you use for off-road activities, you may be able to get away with a simple endorsement added to your home or car insurance policy. However, a modified golf cart may need more coverage, such as a low-speed vehicle policy.

Regardless of how or where you use your golf cart, having some type of coverage is the best way to make sure you’re covered in any type of accident. Enter your ZIP code into our free quote comparison tool below to find affordable golf cart insurance.