Golf Cart Insurance — Coverage for Course, Community, and Street Use
Golf cart insurance may provide important protection for recreational use on courses and in communities, as well as for street-legal operation on public roads. Coverage options may vary depending on how and where you use your cart.
Coverage Options
The following coverage options may be available for Golf Cart Insurance. Availability, terms, and limits vary by state and policy.
Liability Coverage
May cover injury or property damage to others if your golf cart is involved in an accident.
Collision Coverage
May help pay for repairs to your golf cart following a collision.
Comprehensive Coverage
May cover theft, vandalism, fire, and weather damage.
Battery Coverage
Some policies may include coverage for battery replacement or damage, which can be a significant expense for electric golf carts.
Passenger Liability
May help cover medical expenses for passengers injured while riding in your golf cart.
On-Premises Coverage
Coverage may apply to use within private communities, resorts, and golf courses as well as street-legal operation.
Who May Need Golf Cart Insurance?
Golf course patrons, community residents using golf carts for transportation within neighborhoods, resort guests, and owners of street-legal golf carts operated on public roads.
Top 5 Reasons to Consider Golf Cart Insurance
- Many gated communities and resorts require proof of insurance for golf carts operated on their property.
- Street-legal golf carts operating on public roads may be required to carry liability insurance by state law.
- Golf carts are susceptible to theft — coverage may help if your cart is stolen from a course or community.
- Battery and electrical systems in modern electric golf carts can be expensive to repair or replace.
- Passenger injuries on golf carts are more common than many owners expect; liability coverage may help.
Request a Golf Cart Insurance Quote
Complete the form below and a representative may follow up to discuss available options. No obligation required.