Golf Cart & LSV Insurance in Texas

Texas allows golf cart operation on certain roads — typically inside master-planned communities, on beaches where driving is permitted, and on roads posted 35 mph or less when a city or county authorizes it. Golf carts used this way may need a golf cart license plate from the county.

A low-speed vehicle (capable of 20–25 mph with a 17-digit VIN) can be titled and registered for street use on roads posted 45 mph or less in many areas. Street operation generally brings financial responsibility requirements — the same liability minimums that apply to autos. The intention of an LSV policy is to satisfy those street-use requirements while also offering options for physical damage, theft, and uninsured motorist protection.

Plenty of Texas carts and UTVs never touch a public road. For off-road use on ranches, hunting leases, and acreage, specialty programs are designed around liability and physical damage — including theft, which matters when a $15,000+ cart lives in a barn. Ask about bundling: multi-policy discounts may apply with boat, UTV, motorcycle, or other powersports quotes.

Call 866-347-8683 — Texas uses our main quote line — or submit the online form and we'll forward your information to underwriters, agents, or carriers that may be able to quote this type of insurance.