Do I Need Golf Cart Insurance?

People no longer only use golf carts to carry their golf clubs and cruise around the course. Today, many people buy golf carts for hunting, towing, yard work, or, more popularly, leisure activities.

Golf carts can be a fun utility vehicle to buy and own, but also come with a number of risks and responsibilities.


Although golf carts are not naturally speedy machines, you can still inflict significant damage on the cart in the event of an accident. Worse, your golf cart can easily harm you or the people around you. While it is unlikely that you will be taking your cart for a spin on the highway, you can still be put in dangerous situations on community roads, golf courses, or elsewhere.

Thankfully, many golf cart owners can benefit from golf cart insurance, even though the vehicles are not usually considered a primary mode of transportation. Golf cart insurance is highly recommended, especially if you use your vehicle on a pretty regular basis.

Does My State Require Golf Cart Insurance?

You need to go online or ask your insurance agent if the state where you live requires golf cart owners to have insurance policies on their vehicles. Minimum limits and insurance requirements vary in each state and can affect your premium. Different states have different, specific laws regarding insuring a golf cart. You should become familiar with the laws of your state before you decide on a policy.

For example, Arizona requires golf cart owners to hold a liability insurance policy on their vehicles if they plan to use them on public roads. This includes $10,000 property liability coverage, $15,000 for bodily injury liability for one person, and $30,000 bodily injury liability for two or more people.

Do I Have Options?

Some golf cart owners are under the impression that their homeowners or automobile policies will cover any damage to or damage caused by their carts, but this is usually false. Even when true, most standard policies provide a very small amount of coverage for golf carts, especially once you use it somewhere other than your private property. Check with your insurance carrier to find out the exact limits of the coverage.

Can I Add Golf Cart Coverage to My Existing Policies?

There are a few different options golf cart owners can choose from when deciding to cover their vehicle. Adding an endorsement to an existing homeowner or automobile policy is definitely an option, but there are also insurance policies specifically tailored to fully cover golf carts.

Insurance policies that are specific to golf carts are more comprehensive in their coverage. These policies will usually cover you and your cart wherever you decide to go. Some even cover the carts if they are in storage. Many insurance carriers offer specialized golf cart insurance policies under their motorcycle insurance umbrella, which many find is a cost-effective solution.

What Are the Different Types of Coverages Available?

Golf cart coverages are shockingly similar to those of policies you might have on your cars. The basic types of coverage include:

  • Comprehensive Coverage helps to protect your golf cart from theft, fire, and other damages. This does not include collision, as collision has its own category of coverage.
  • Bodily Injury Liability helps to protect a golf cart owner who causes injury to another person, such as a passenger or a passerby.
  • Collision Coverage helps to pay for repairs to your own golf cart if you happen to collide with another object, such as another golf cart. Collision helps to pay for damages regardless of fault.
  • Property Damage Liability covers an accident that causes damage to another person’s property, like a car or a house.
  • Transport Trailer covers damage to the trailer you may use to transport your golf cart.
  • Medical Payments covers certain medical expenses or bills for anyone in the golf cart who’s hurt in a covered accident.
  • Roadside Assistance offers services such as towing if you are stranded in your golf cart.
  • Uninsured or Underinsured Motorist Property Damage covers damage to your cart if someone else is at fault for the accident, but the person does not have any coverage.
  • Accessory Coverage covers accessories you may have added to your golf cart, such as radios, electronic equipment, custom gadgets, or other amenities.

How Expensive Is Golf Cart Insurance?

The expense that golf cart insurance imposes on your checkbook depends on how much coverage you opt for and which company you opt to use as an insurer. Any reliable insurance provider will help you determine the proper level of protection for you at an affordable rate. The factors that will affect the price of the insurance include the coverages, limits, and deductibles.


Some providers offer discounts. If you shop around, you will find that many insurance companies offer money-saving bundle discounts. This means that if you hold other insurance policies, like homeowner and auto, with that same company, they can bundle those policies along with your golf cart insurance and generate significant savings for you. Some companies even provide discounts for owners of more than one golf cart.


The cheapest way to get golf cart insurance is to simply add an endorsement to your homeowner’s insurance. Most companies will allow this, or even already have a liability clause for golf carts, but every insurance provider is different. It is also important to remember that current coverage or coverage obtained from an endorsement will often not be as inclusive as an entirely new golf cart policy.

Final Thoughts

The unfortunate reality is that if you own a golf cart, you will be liable for any accidents. Golf cart insurance just makes sense, even if your state does not require it.

Golf carts can be damaged physically, can hurt someone else, can hurt you, or be stolen. To avoid possibly excessive out-of-pocket expenses in the event something happens, you should seriously consider insuring your golf carts.


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