Golf Cart Insurance

Whether you're using your golf cart for recreational purposes or general transportation, having the proper insurance coverage is vital. Golf cart insurance not only protects your vehicle itself, but can also provide coverage for personal injury and other damages caused by accidents. With so many different options available, such as liability coverage and add-ons like roadside assistance, it's important to understand how each type of coverage works and what benefits they provide.

What is golf cart insurance?

Golf cart insurance is a type of coverage designed to protect golf carts from various risks, including accidents, theft, and damage. Just like more traditional vehicles, golf carts can be insured through policies that provide coverage for the cart itself, as well as liability protection in the event of an accident. With golf carts now experiencing increased usage in residential communities, resorts, and even for short commutes, insurance has become an important consideration for owners.

Golf cart insurance works similarly to auto insurance, with policies offering various levels of coverage based on your specific needs. Just like with regular vehicles, golf carts can be covered under liability insurance, comprehensive insurance, and collision insurance. Some policies also offer additional protections like uninsured motorist coverage, which protects you in case of an accident involving an uninsured party, or roadside assistance for breakdowns.

Do I need golf cart insurance?

Golf cart coverage is necessary not only to protect your vehicle, but also to ensure compliance with any legal requirements. In some communities, particularly those where golf carts are commonly used for transportation on public roads, having insurance may be mandated by law. Please note that GEICO does not insure street registered golf carts in certain states.

But even if it isn't required in your area, it's still essential for avoiding financial risk and ensuring you're sufficiently protected when operating your golf cart. Similar to cars, golf carts are susceptible to accidents, theft, and damage from unforeseen circumstances, such as bad weather or vandalism. Having the right insurance coverage in place ensures that the cost of repairs, replacement, or medical bills resulting from an accident won't fall entirely on your shoulders.

What is covered by golf cart insurance?

Golf cart policies can include a range of coverage options designed to protect you from financial loss due to accidents, theft, or other unexpected events. General liability, for example, helps cover costs if you cause injury or property damage, while comprehensive and collision coverage protects the cart itself from damage caused by accidents, weather, vandalism, or theft.

Knowing the specifics of each type of coverage can help you make an informed decision when choosing the best policy for your needs.

Bodily injury and property liability

Liability insurance is designed to protect golf cart owners from financial responsibility if they cause injury to someone or damage another person's property while operating their vehicle. This coverage helps pay for medical expenses, legal fees, and repair costs if an accident occurs.

For example, if a driver accidentally collides with a pedestrian on a golf course, liability insurance can cover the injured person's medical bills and any potential legal claims. Similarly, if a golf cart damages a parked vehicle or residential property, the policy could help pay for the necessary repairs, preventing the owner from facing significant out-of-pocket expenses.

Comprehensive and collision coverage

Comprehensive and collision coverage for golf carts provide essential protection beyond basic liability insurance, ensuring that your vehicle is covered across a wide range of situations.

For instance, comprehensive coverage protects against non-collision-related incidents, such as theft, vandalism, or natural disasters. This type of coverage is particularly useful for golf cart owners who store their carts outdoors, use them frequently in public areas, or live in regions prone to extreme weather conditions.

Conversely, collision coverage helps pay for repairs or replacement if your golf cart is damaged in an accident—regardless of who's at fault. Whether you collide with another golf cart, a stationary object, or even a moving vehicle on a public road, this policy ensures that you're properly protected. Collision coverage is especially important for carts used in residential communities, resorts, or anywhere they're driven near traffic or obstacles.

Medical payments coverage

Medical payments coverage provides financial assistance for medical expenses incurred by the driver and passengers after an accident, no matter who's at fault. This coverage helps pay for costs such as hospital visits, ambulance fees, and rehabilitation services, ensuring that medical bills don't become a financial burden.

For example, if an accident results in injuries requiring emergency treatment, medical payments coverage can help cover out-of-pocket expenses that may not be fully paid by health insurance. This protection is even more valuable for owners who frequently transport passengers, as it ensures immediate medical support without the need for lengthy liability claims.

How to save money on golf cart insurance

For golf cart owners looking to reduce insurance costs without sacrificing essential protection, bundling can often serve as an effective solution. Insurers typically provide discounts to customers who hold multiple policies with them, recognizing the value of long-term business relationships. In addition to financial savings, bundling can also enhance coverage options, offering added perks such as increased liability limits or enhanced roadside assistance services.

Multi-vehicle discount

Multi-vehicle coverage allows policyholders to insure multiple vehicles—such as cars, motorcycles, and golf carts—under a single insurance plan. By consolidating all vehicle policies with one provider, drivers can take advantage of significant discounts, reducing the overall cost of insurance. This approach also simplifies policy management by keeping all insurance needs under one account, making it easier to track payments, coverage details, and renewals.

Multi-policy discount

Similarly, a multi-policy discount is offered by insurance providers when a policyholder bundles different types of insurance—such as golf cart, home, and auto insurance—under the same company. For instance, if a golf cart owner also has homeowners or renters insurance, they may qualify for a discount on both policies. Unlike multi-vehicle discounts, which apply specifically to insuring more than one vehicle, a multi-policy discount rewards customers for holding multiple types of coverage.

Paying in full discounts

Many insurers also offer pay-in-full discounts for policyholders who choose to pay their entire premium upfront rather than in monthly installments.

These options reward customers for reducing administrative costs associated with processing multiple payments and lowers the risk of missed payments. By paying in full, policyholders can enjoy immediate savings on their total premium, while also avoiding potential service fees or installment charges that may be added to monthly payment plans. Paying upfront can be ideal for drivers with liquid cash on hand who are looking to simplify their insurance by making a single, initial payment for the coverage term.

Other types of powersports insurance

Golf cart insurance falls under our powersports insurance umbrella, which includes coverage for various types of recreational vehicles and motorized equipment. For drivers who frequently engage in other recreational and outdoor activities, some policies to become acquainted with include:

• Motorcycle Insurance: Provides protection for motorcyclists against accidents, theft, and damage, including personal injury and liability coverage.
• Boat Insurance: Covers various types of watercraft, offering coverage for damage, theft, and liability for water accidents.
• Snowmobile Insurance: Offers coverage for snowmobiles, protecting against accidents, vandalism, and other winter-related incidents.
• Dune Buggy Insurance: Protects off-road vehicles like dune buggies, including liability and collision coverage for off-road accidents.

GEICO Motorcycle / Off-road Coverage

For golf cart owners and other recreational vehicle drivers, new GEICO Motorcycle and Off-road coverages offer tailored insurance options designed specifically with you in mind.

Whether you're seeking protection for stored gear, roadside assistance, or total loss replacement, GEICO has your back across a wide range of scenarios that can present themselves while partaking in outdoor activities.

Some key coverage options offered under GEICO for Motorcycle and Off-road insurance includes:

• Transport trailer protection: Moving your recreational vehicle from place to place can be a risky undertaking. GEICO offers comprehensive or collision insurance with flexible coverage limits, so you can rest easy knowing your vehicle is protected during transport.
• Stored gear coverage: Get up to $3,000 of coverage for gear that's stored on your vehicle.
• Custom parts or equipment: Provides $2,000 of coverage for specific parts or equipment needed to operate your vehicle, with the option to buy more.
• Emergency Road Service with trip interruption: Available for motorcycles, ERS offers $200 per day and $500 per occurrence for travel expenses if your vehicle becomes inoperable during a trip.
• Total loss replacement: For an additional premium, we'll settle your total loss using the MSRP of the same make/model of a brand-new motorcycle. Some restrictions apply.

With additional perks like deductible reduction plans, which credit you with $100 toward your deductible for every policy period you have without loss, and claims forgiveness, which waives the surcharge on certain first-time losses for eligible customers, GPS ensures you can strike the perfect balance between the right coverage and the right price.

Get a golf cart insurance quote now!

Ultimately, choosing the right golf cart insurance involves understanding the unique risks you face and selecting the coverage options that best fit your situation. No matter if you're using your cart on the course, in a residential community, or for everyday commuting, having the right policy in place ensures that you're financially covered in the event of an incident.

Here, working with a trusted provider and carefully assessing your needs are crucial for helping you build a policy that provides both financial protection and peace of mind. That's where GEICO steps in. Offering a variety of customizable plans and a dedicated customer service team on standby, we're committed to making obtaining the right golf cart insurance as easy as possible.

Don't wait until after an accident to start looking into coverage for your golf cart—get an online quote it just takes a few minutes!