Golf carts are a fun and convenient mode of transportation for golfers, especially on large courses. However, just like any other vehicle, they also need to be insured in case of accidents or damage. 

You may be wondering, how much does it cost to insure a golf cart? The answer is not as straightforward as you might think.

The cost of golf cart insurance can vary greatly depending on several factors. These include the type of coverage you choose, your location, and the value of your golf cart. Let’s take a closer look at these factors and how they can affect your insurance costs.


What Does Golf Cart Insurance Include? 

What Does Golf Cart Insurance Include

Golf cart insurance typically includes liability coverage, which protects you in case of accidents involving property damage or bodily injury to others while operating your golf cart. 

This type of coverage is essential for any golf cart owner, as it can help protect you from costly lawsuits and medical expenses.

In addition to liability coverage, some insurance policies may also include collision coverage. This covers damages to your golf cart caused by a collision with another object or vehicle. It’s important to note that this type of coverage may not be necessary if you only plan on using your golf cart for off-road activities.

In addition to basic liability insurance, some other types of coverage that may be available for golf carts include:

  • Property Damage Liability: This covers damages to another person’s property caused by your golf cart.
  • Bodily Injury Liability: This covers medical expenses and legal fees if someone is injured by your golf cart.
  • Comprehensive Coverage: This protects against non-collision incidents such as theft, vandalism, or natural disasters.
  • Uninsured/Underinsured Motorist Coverage: This covers you if you are involved in an accident with a driver who does not have insurance or does not have enough coverage to fully compensate for your damages.
  • Progressive Golf Cart Insurance: This is a specialized insurance specifically designed for golf carts, offering coverage for both on and off the course.

It’s important to carefully review the laws and regulations in your area to determine what type of insurance is required for golf carts.

How Much Does A Golf Cart Insurance Cost? 

How Much Does A Golf Cart Insurance Cost?

The cost of golf cart insurance can vary depending on a few factors such as the type of coverage, the value of your golf cart, and your location. Generally, you can expect to pay around $100 to $500 per year for liability coverage. Adding collision and comprehensive coverage can increase the cost.

To get an accurate quote, it’s best to contact golf cart finance providers directly and provide them with information about your specific golf cart and insurance needs. You may also be eligible for discounts if you have other insurance policies with the same provider or if you take certain safety precautions such as installing seat belts or a roll cage on your golf cart.

What Factors Determine The Golf Cart Insurance?

What Factors Determine The Golf Cart Insurance

Type Of Insurance Coverage

The type of coverage you choose will greatly impact the price of your golf cart insurance. There are two main types of coverage for golf carts: liability and comprehensive. Liability insurance is usually cheaper than comprehensive insurance since it offers less coverage. However, if you want full protection for your golf cart, then comprehensive insurance would be a better option.

Value Of Your Golf Cart

Another factor is the golf cart value. If you have a high-end or customized golf cart, you may want to consider getting additional coverage to protect its value. 

Driving Record

Just like with car insurance, having a clean driving record can often result in lower premiums. On the other hand, if you have a history of accidents or moving violations, your rates may be higher since you are considered a higher risk.

What Is The Cheapest Golf Cart Insurance Coverage? 

If you’re looking for the cheapest option available, the minimum liability coverage may be your best choice.

Liability coverage is required by most states and typically covers any damages or injuries caused to another person or their property in an accident that is deemed your fault. The minimum amount of liability coverage varies by state but can range from $10,000 to $50,000.

While this may seem like a low amount of coverage, it’s important to keep in mind that golf carts are generally used for short distances at lower speeds compared to traditional vehicles. Therefore, the risk of causing serious damage or injury is lower.


The cost of golf cart insurance can vary significantly based on a range of factors, including the type of coverage, the value of the cart, and the intended use. It’s crucial for golf cart owners to carefully consider their insurance needs and explore the options available to ensure adequate protection.

For expert guidance in navigating the complexities of golf cart insurance, consider reaching out to Carts & Parts. Their expertise in financing and selecting the right insurance plan can help you secure the best coverage for your golf cart. Additionally, they offer a variety of services, including golf cart rentals and maintenance, to cater to all your golf cart needs.

For more information on obtaining the best golf cart services, including insurance coverage, financing, rentals, and maintenance, contact us at (937) 459-8891.