How Old Do You Have to Be to Drive a Golf Cart? A Guide to Rules and Safety

Thinking about cruising around the neighborhood or hitting the golf course behind the wheel of a golf cart? Golf carts are becoming more popular for quick trips, especially in gated communities, resorts, and large properties.

But just because they’re smaller than cars doesn’t mean the rules are any less important. Before you or your teen hops in the driver’s seat, it’s worth understanding the age requirements and laws that apply. Let’s take a closer look at what you need to know.

Key Takeaways

• The minimum age to drive a golf cart in most states is between 14 and 16. However, age requirements vary by where you live and where you drive your golf cart, so always check your local laws before handing over the keys.
• If you’re driving your golf cart on a road or public property, you may need a driver's license. Some states and locations allow teens with learner’s permits to drive golf carts with adult supervision.
• Golf cart insurance is not required by law in many cases, but certain communities and courses may require proof of insurance before you can drive on their property. Even when not required, golf cart insurance can offer valuable peace of mind and financial protection.

General Rules for Driving a Golf Cart

There’s more to driving a golf cart than turning the key and taking off. While golf carts may seem simple, the rules surrounding who can drive them—and where—can vary quite a bit depending on where you live.

Typical Minimum Age Requirements

In most states, the minimum age to drive a golf cart is between 14 and 16 years old. However, that’s not a universal rule. Some local ordinances set stricter age limits or additional requirements, so it’s always smart to check the rules in your city or county before letting a younger driver take the wheel.

Where Golf Carts Can Be Driven

Golf carts aren’t just for the golf course anymore. Many people use them in gated communities, retirement neighborhoods, and even on certain public roads. But where you plan to drive makes a big difference. Private property and golf courses tend to be more flexible, while driving on public roads often requires safety features like headlights, turn signals, mirrors, and a slow-moving vehicle sign. These differences can also affect the minimum age required to operate a cart.

State-by-State Variations

Because each state sets its own laws, the age and equipment rules for golf cart drivers can vary significantly. Some states may allow younger drivers under specific conditions, while others have more rigid rules in place. It’s always best to check your local DMV and municipal codes before giving younger drivers the keys to your cart. Please note that limitations apply. Golf cart coverages may not be available in all states.

Do You Need a Driver’s License to Operate a Golf Cart?

Whether or not you need a driver’s license to operate a golf cart depends on where you’re driving it. If you’re using a golf cart on private property, like your own land or a golf course, a license usually isn’t required. But once you take that cart onto public roads—even just to cross an intersection—most states require a valid driver’s license.

Some areas may allow teen drivers with learner’s permits to operate golf carts under adult supervision, especially in planned communities or neighborhoods with golf cart-friendly roads. As always, check with your local DMV or municipality to be sure you’re following the rules in your area.

Safety Tips for Young Golf Cart Drivers

Golf carts may not go as fast as cars, but safety still matters—especially when young drivers are behind the wheel. Taking the right precautions can help prevent accidents and build smart driving habits early on. Below are a few key safety tips to keep in mind.

Parental Supervision and Training

Before handing over the keys, it’s a good idea for parents to walk young drivers through the basics. That includes reviewing local laws, practicing in a safe area, and keeping a close eye during those first few drives. A little hands-on guidance goes a long way toward building confidence and promoting safe habits.

Speed Limits and Passenger Limits

Always follow posted speed limits, even if you're just driving around the neighborhood or golf course. It's also important to stick to the number of seats—no extra passengers should be riding on laps or hanging off the side. Overloading a golf cart can make it harder to steer and increase the risk of tipping, especially when turning or going over uneven ground.

Proper Use of Safety Gear

If the golf cart will be used near roads or in areas with mixed traffic, safety gear is a must. That includes seat belts if available, working mirrors and lights, and a slow-moving vehicle sign. These additions help make the cart more visible and ensure everyone stays safer while on the move.

Do Golf Carts Need Insurance?

If you only use your golf cart on private property, insurance might not be required. However, if you’re driving it in a neighborhood, across public roads, or in a golf cart-friendly community, having coverage is a smart move and sometimes even a legal requirement.

Golf cart insurance can help protect you from the unexpected. Depending on your policy, it may include liability coverage if you cause damage or injury, as well as protection against theft, vandalism, and physical damage to the cart itself. GEICO offers personalized golf cart insurance for both electric and gas-powered models, so you can choose the coverage that fits how and where you drive.

Protect Your Golf Cart and Family with GEICO

Driving a golf cart can be a fun and convenient way to get around, but it’s important to know the rules, especially when young drivers are involved. From age requirements and licensing to safety tips and insurance, staying informed helps keep everyone safe.

Ready to protect your golf cart? Contact GEICO today to learn more about our golf cart insurance and get a quote in just a few minutes.