Golf Cart & LSV Insurance in Florida
Florida is arguably the golf cart and LSV capital of the country. From The Villages to Peachtree-style cart communities along both coasts, thousands of residents use golf carts and low-speed vehicles for daily errands, beach trips, and neighborhood travel. Whether you drive a Club Car, E-Z-GO, Yamaha, ICON, Evolution, Bintelli, GEM, or Advanced EV, the kind of policy that may fit depends on whether your vehicle is an off-road cart or a street-titled LSV.
Call for a Florida Quote
866-347-8683Call center hours
- Monday – Friday: 6:00 AM – 7:00 PM Pacific Time
- Saturday: 6:00 AM – 5:00 PM Pacific Time
- Sunday: 8:00 AM – 5:00 PM Pacific Time
⚠️ Important: Florida Requires PIP on Street-Legal LSVs
In Florida, PIP (personal injury protection) is required with street low-speed vehicle insurance— a street-titled, license-plated LSV is treated like a motor vehicle under Florida's no-fault law. Because of that PIP requirement, many insurance companies simply will not quote street-legal LSVs in Florida. Don't give up: call 866-347-8683 to reach a call center that works with markets that may be able to quote Florida LSVs with the required PIP coverage.
Golf Carts vs LSVs Under Florida Law
Florida distinguishes between golf carts (generally limited to about 20 mph and operated on designated roads posted 30 mph or less, or where a community permits them) and low-speed vehicles (capable of 20–25 mph, titled and registered with a license plate). A street-legal LSV in Florida generally needs registration, a valid driver's license, and insurance that meets the state's requirements — including PIP and property damage liability.
If your cart stays inside a gated community or on the course, a specialty golf cart program may be the better fit. The intention of those programs is to address liability, theft, and physical damage without the auto-style filings a street LSV may require.
Popular Florida Golf Cart Communities
The Villages, Sun City Center, Naples, Sarasota, Port St. Lucie, Key West, Anna Maria Island, and dozens of coastal towns allow golf cart or LSV travel on selected streets. Local ordinances vary block by block — one reason a knowledgeable agent matters. Multi-policy discounts may also be available if you bundle a boat, motorcycle, jet ski, or other powersports quote at the same time.
How to Get a Florida Quote
Call 866-347-8683 and tell the call center whether your vehicle is (1) a golf cart used off-road, (2) a street-legal golf cart with a plate, (3) an off-road LSV, or (4) a street-legal LSV with a plate — that single answer routes you to the right market. Or use our online quote form and we'll forward your information to underwriters, agents, or carriers that may be able to quote it.
Frequently Asked Questions
Is golf cart insurance required in Florida?
It depends on how and where the cart is used. An off-road cart used only inside a private community generally does not face a legal insurance mandate, though many owners carry a policy for liability and theft protection. A street-titled low-speed vehicle (LSV) in Florida is generally treated as a motor vehicle under the state's no-fault law, which means liability insurance — including PIP — typically applies.
Does a street-legal LSV in Florida require PIP?
Yes, generally. Florida's no-fault law applies personal injury protection (PIP) to street-titled low-speed vehicles. That PIP requirement is why many standard carriers decline to quote Florida street-legal LSVs — it makes the policy more complex and expensive to write. Specialty markets do exist; calling the quote line for Florida is the fastest way to find one.
How much does golf cart insurance cost in Florida?
Off-road golf cart coverage in Florida typically runs $125–$300 per year for basic liability and physical damage. Street-legal LSV policies in Florida tend to cost more — often $300–$600+ per year — because of the PIP requirement and the limited number of carriers willing to write the class in the state.
Can I drive my golf cart on Florida roads?
Golf carts may operate on certain roads in Florida — typically within designated golf cart communities and on roads posted 30 mph or less where the local government has authorized it. Drivers must be at least 14 years old and the cart must have required safety equipment. A street-legal LSV (20–25 mph, plated) has broader road access but requires meeting Florida's motor vehicle insurance requirements.
What Florida communities are known for golf carts?
The Villages (one of the largest golf cart communities in the world), Sun City Center, Naples, Port St. Lucie, Sarasota, Anna Maria Island, Key West, and many other coastal towns across Florida permit golf cart and LSV travel on selected streets.
Learn more: LSV vs Golf Cart · Common Discounts · Learning Center