Golf Cart & LSV Insurance in South Carolina

South Carolina lets permitted golf carts operate during daylight hours on secondary roads posted 35 mph or less, within four miles of the owner's registered address (or a gated community entrance). You'll generally need a golf cart permit decal from the SCDMV, proof of insurance, and a licensed driver.

Note the insurance piece: the permit application itself generally asks for liability coverage on the cart. That's where a specialty golf cart policy comes in — the intention of this coverage is to satisfy the permit requirement while adding options for theft and physical damage.

A low-speed vehicle capable of 20–25 mph can be titled, registered, and plated for broader street use than a permitted golf cart — including operation after dark, which the golf cart permit does not allow. Street-legal LSVs are generally expected to meet auto-style liability requirements, and many mainstream carriers choose not to quote them. Specialty markets may — calling is the fastest way to find out.

Call 866-347-8683 or request a quote online. Tell us whether your vehicle is an off-road cart, a permitted street cart, or a plated LSV, and ask about multi-policy discounts with boat, jet ski, motorcycle, or other powersports quotes.