Golf cart & low-speed vehicle (LSV) insurance with an agent

Does my homeowners insurance or umbrella insurance policies cover my golf cart of LSV?

The short answer is, they may offer some coverage but probably not enough for most risks. Some homeowners policies may offer limited coverage for your golf cart and is usually limited to use only on your property.

Similarly, a personal liability or umbrella insurance policy may have some limited liability coverage that extends to your golf cart or LSV but you'll want to check your policy. Some insurers may specifically exclude these vehicles so it's important to check your policy documents.

Our insurance agents can help you better understand your coverage, and options to ensure your golf cart is adequately covered.

How do I start working with an agent?

With Comparion, getting a golf cart or LSV insurance quote with an agent is quick and easy. Start a golf cart or LSV insurance quote with just your name, address, email and phone number, and an insurance agent near you will give you a call to finish the process.

Want to have a conversation first? Find an agent near you and schedule time to talk. We have agents all over the country who are ready to work with you and recommend coverage options that best protect you and your golf cart or LSV.

What type of insurance is available for golf carts or low-speed vehicles (LSVs)?

Insurance requirements and availability for golf carts and similar low-speed vehicles can vary based on insurer, your state, and intended usage. Here are some coverages to consider:

Liability: In many states, liability insurance for golf carts and LSVs is required if they are driven on public roads. This coverage can help pay for injuries or property damage you cause to others.

Collision & Comprehensive: Collision helps pay for repairs to your vehicle if it's damaged in an accident, regardless of fault. Comprehensive helps protect against non-collision events like theft, vandalism, and damage while not being used.

Medical payments: People may have a false sense of security in golf carts and similar vehicles due to their low speed. However, the lack of doors and other safety features typically missing from these vehicles can increase the odds of injury, especially during sharp turns, sudden stops, or uneven terrain. This coverage helps pay for medical expenses for you and your passengers in the event of a covered claim.

Keep in mind that even if insurance is not legally required where you live, it is still recommended to protect yourself and your investment. Also, if you are financing your golf cart of LSV, you may be required to purchase insurance by your lender. Our insurance agents are here to help you find the best golf cart insurance for your specific needs.

Find an agent near you or start a quote.