How Much Does Golf Cart Insurance Cost?
Golf cart insurance can cost as little as $75–$150 per year for basic liability-only coverage on an off-road cart, and commonly runs $200–$400+ per yearfor full coverage — physical damage, theft, and liability combined. Street-legal low-speed vehicles (LSVs) with license plates tend to cost more because they're underwritten more like auto policies.
These are general ranges. Actual rates vary by carrier, program, state, and individual factors — the fastest way to know what you'll pay is to call or request a quote online.
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Most states: 866-347-8683 · AR, AK, KY, CA, HI, MD, MA, NY, OR, PA, SD, UT, WA: 833-844-4357
Or Request a Quote OnlineTypical Golf Cart Insurance Cost Ranges
| Coverage Type | Vehicle | Estimated Annual Cost |
|---|---|---|
| Liability only | Off-road golf cart | $75–$150 / year |
| Full coverage | Off-road golf cart (mid-value) | $175–$350 / year |
| Full coverage | High-value cart or LSV ($15k+) | $300–$500+ / year |
| Street-legal LSV policy | Street-titled LSV (most states) | $200–$450+ / year |
| Street-legal LSV policy | Street-titled LSV in Florida (PIP required) | $300–$600+ / year |
These ranges are general estimates for illustrative purposes only. Actual premiums are determined by carriers at the time of underwriting and may differ materially from these figures.
What Affects Your Golf Cart Insurance Rate?
Six factors drive most of the variation in golf cart and LSV insurance costs:
Coverage type
Vehicle use
Vehicle value
State
Drivers
Discounts applied
Does My State Affect the Cost?
Yes. State regulations shape both the coverage requirements and the pool of carriers willing to write the policy.
Floridatends to be the most expensive state for street-legal LSV insurance because Florida's no-fault law generally applies PIP (personal injury protection) to street-titled low-speed vehicles. PIP adds to the premium — and many carriers decline to write the class in Florida entirely, reducing competition.
South Carolina requires liability insurance on golf carts that hold a state permit for road use — that requirement itself makes coverage easier to find and price there.
Texas, North Carolina, and most other states handle golf cart and LSV insurance through specialty programs without the same PIP complexity, which generally keeps costs in the lower end of the typical range.
Ways to Lower Your Golf Cart Insurance Cost
- Multi-policy discount: Bundling your golf cart policy with boat, jet ski, motorcycle, or other powersports coverage often earns a discount with the same program.
- Advance purchase discount: Buying coverage before your effective date — rather than the same day — may lower your rate with some carriers.
- Pay-in-full: Paying the full annual premium upfront eliminates installment fees that add to the monthly cost.
- Good driver record: A clean driving history may qualify you for preferred rates, especially on street-legal LSV policies.
- Safety and storage: A locked garage, anti-theft device, or GPS tracker may earn a credit on the physical damage portion.
- Homeowner discount: Some programs credit applicants who own their home — common in golf cart communities.
Frequently Asked Questions
How much does golf cart insurance cost per year?
Golf cart insurance can cost as little as $75–$150 per year for basic liability-only coverage on an off-road cart used inside a community or on a course. Full coverage — adding physical damage and theft — typically runs $200–$400+ per year depending on the vehicle's value. Street-legal LSV policies tend to cost more because they're underwritten more like auto policies.
Is golf cart insurance cheaper than car insurance?
Generally, yes. A basic golf cart liability policy is typically far less expensive than auto insurance because the vehicle has a lower top speed, lower vehicle value, and limited road exposure. However, street-legal LSV policies — which operate more like auto policies — can approach the lower end of car insurance rates in some states.
Does the type of golf cart affect insurance cost?
Yes. A street-legal LSV with a license plate is generally more expensive to insure than an off-road cart used only in a community or on a course. Vehicle value matters too — a new $18,000 ICON or Evolution LSV costs more to insure for physical damage than a $6,000 gas cart.
What is the cheapest golf cart insurance option?
Liability-only coverage on an off-road cart in a low-risk state is typically the least expensive option — sometimes under $100 per year. Multi-policy discounts (bundling with a boat, jet ski, or motorcycle policy) can reduce the premium further. Paying the full annual premium upfront often costs less than monthly installments.
Does my homeowners insurance cover my golf cart?
Some homeowners policies may extend limited liability protection to a golf cart used on premises or while golfing, but the coverage is usually narrow and may not address street use, theft away from home, or physical damage in detail. A dedicated golf cart or LSV policy is intended to address those gaps. A licensed agent can review your homeowners policy language.
How much does LSV insurance cost compared to golf cart insurance?
A street-legal low-speed vehicle (LSV) typically costs more to insure than an off-road golf cart because LSVs are underwritten more like auto policies and may need to meet state financial responsibility minimums. In Florida, where PIP (personal injury protection) applies to street-titled LSVs, premiums can be meaningfully higher than in other states.
Ready to find out your actual rate?
Most states: 866-347-8683 · AR, AK, KY, CA, HI, MD, MA, NY, OR, PA, SD, UT, WA: 833-844-4357
Request a Quote OnlineKeep learning: LSV vs Golf Cart · Street-legal golf cart insurance · What affects LSV insurance cost · Discounts