How Much Does Golf Cart Insurance Cost?

Thinking about hitting the green or cruising your neighborhood in a golf cart? Before you put the pedal to the metal, it's smart to consider how insurance fits into the picture.

While golf carts might not go as fast as your car or motorcycle, they still come with risks, and that means coverage is important. In this guide, we’ll explore what affects the cost of golf cart insurance, what kind of protection it offers, and how GEICO can help you find the right policy for your needs.

Key Takeaways

• The cost of golf cart insurance varies depending on the type and value of your golf cart, how and where you use your cart, the coverage options you choose, where you store it, and the driver’s age and driving history.
• Golf cart insurance offers liability, collision, comprehensive, medical payments (MedPay), and uninsured motorist coverage.
• While golf cart insurance usually isn’t required by law unless it is street legal, some neighborhoods and golf courses may require proof of coverage before you can use your cart on their property.
• Even when not required, golf cart insurance can offer valuable peace of mind against the unexpected.

Average Cost of Golf Cart Insurance

Golf cart insurance is generally affordable, but the average cost varies depending on several factors:

Type and Value of the Golf Cart

The make, model, and value of your golf cart are big factors in determining your premium. Newer carts, street-legal, or high-end models typically cost more to insure because they’re more expensive to replace or repair. Golf carts with lower horsepower and fewer modifications usually cost less to insure.

How and Where You Use the Cart

Where you drive your golf cart matters. If it’s only used on golf courses or private property, insurance rates tend to be lower. But if you drive on public roads or in communities where carts are allowed on the street, you may need extra coverage, which could raise your premium. The more places you take your cart, the more protection you may need.

Chosen Coverage Options

Your coverage choices have a direct impact on your premium. Liability-only insurance is usually the most affordable option and may be all you need for light use on private property. But if you want coverage for things like theft, weather damage, or collisions, adding comprehensive or collision insurance will increase your rate. Make sure you choose coverage that fits your needs.

Storage and Security

Where and how you store your golf cart can also affect what you pay for insurance. Keeping it in a locked garage, using wheel locks, or installing anti-theft devices can reduce the risk of damage or theft. These safety measures may help lower your premium, and they give you extra peace of mind when your cart isn’t in use.

What Does Golf Cart Insurance Cover?

Golf cart insurance helps protect you from the unexpected, whether you're riding through your neighborhood, across a golf course, or down a street in a golf-cart-friendly community. A standard policy typically includes a few key types of coverage, and you can choose to add more based on how and where you use your cart.

• Liability Coverage: Liability coverage helps pay for bodily injury or property damage if you're responsible for an accident while driving your golf cart. This can include medical expenses for others or repairs to damaged property. Liability coverage is especially important when operating your cart in areas where you’re sharing the road or paths with other drivers and pedestrians.
• Collision and Comprehensive: Collision coverage helps pay for damage to your golf cart after a crash, whether it’s with another vehicle, a tree, or even a fence. Comprehensive coverage, on the other hand, protects your golf cart from non-collision-related incidents like theft, vandalism, fire, or weather damage. These options are a good idea if you want broader protection for your investment.
• Medical Payments and Uninsured Motorist: Medical payments (MedPay) coverage can help with medical costs if you or your passengers are injured in an accident, no matter who’s at fault. Uninsured motorist coverage adds another layer of protection in case you’re hit by someone who doesn’t have insurance or doesn’t have enough to cover the damages. These optional coverages can provide extra peace of mind when you're out for a ride.

Get Affordable Golf Cart Insurance with GEICO

Golf cart insurance may not be top of mind when you're planning your next ride, but it can make a big difference if the unexpected happens. From basic liability to protection against theft or weather damage, having the right coverage can help keep you, your passengers, and your cart protected.

Ready to get rolling with the right coverage? Contact GEICO today and see how much you could save on golf cart insurance. Limitations apply. Golf cart coverage may not be available in all states.