Expect to pay $50 to $150 per year for golf cart insurance on a standard golf cart. The cheapest golf cart insurance is an endorsement for your homeowners insurance policy. Alternatively, a standalone golf cart policy costs around $10 to $15 per month if you’re driving it to and from the golf course or in a golf course/retirement community.
Full Answer
How much is insurance on a golf cart?
Golf cart insurance rates vary based on the coverages you select and the make and model of your golf cart. Your age and driving history also factor into the price. Quote golf cart insurance online and see how affordable it can be. Policies start as low as $75/annually. *. Ways to save.
Do I need golf car insurance?
Your state or homeowner association (HOA) may require golf cart insurance, for example. Whether or not you need golf car insurance depends on where you ride it, how you use it, and other factors. You can buy golf cart insurance by adding a golf cart endorsement to your homeowners insurance policy. Or, you can buy specialized golf cart insurance.
Do you need insurance for an off-roading golf cart?
If you won't be driving the cart on public roads, it's still a good idea to get some insurance coverage for an off-road vehicle. And whatever you do, don't drive an uninsured cart on a public road without insurance, especially if the state you're in requires it.
How do I get a golf cart or LSV insurance discount?
As with auto insurance, one of the best ways to obtain a significant discount is to buy your golf cart or LSV policy from an insurer with which you already do business. This is often referred to as a "bundling" or "multi-policy” discount. If your LSV needs an auto policy, make sure you ask for a multi vehicle discount.
Do you have to have insurance on a golf cart in Indiana?
Controversies Driving Your Golf Cart on the Road As with any vehicle on public property, proper registration and insurance are required in most places.
Do you need insurance on a golf cart?
Most clubs require you to have Public Liability when using a Golf Buggy. All Golf Care insurance policies come with Public Liability when using a buggy. If you want to protect your buggy for theft, loss or damage you should add Golf Buggy Insurance to your policy.
What is golf cart insurance called?
Also known as “other than collision,” this coverage can help pay for damage to your golf cart from vandalism, theft, weather events and falling objects. Helps protect you and your golf cart from uninsured drivers and hit-and-run accidents.
Do golf carts have titles?
The bottom line is that standard golf carts do not have titles. But, if they are modified to become an LSV then you must obtain a certificate of title.
How much is a golf cart?
On average, most golf carts will cost between $8,000 and $9,000. However, some golf carts can be priced as low as the $2,500/$3,000 range and some luxury golf carts can be priced at over $20,000. It depends if you're shopping for a new golf cart or a used golf cart.
What age can you drive a golf cart in Texas?
16 yearsTexas. Legal age of the driver is 16 years. In Texas, golf carts can be driven on local roads when permitted by the local or country government.
Do golf carts have VIN numbers?
When scheduling service or ordering parts for your golf cart it is very important to know and locate the serial number (VIN). Each cart has its own unique serial number just like a car and by knowing what this number is you are able to determine what type, year, and power supply your cart has.
What is a comprehensive insurance?
Comprehensive insurance is a coverage that helps pay to replace or repair your vehicle if it's stolen or damaged in an incident that's not a collision. Comprehensive, sometimes called "other than collision" coverage, typically covers damage from fire, vandalism or falling objects (like a tree or hail).
Do golf carts need license plates in Texas?
The Golf Cart must display a Golf Cart license plate when operated on roads authorized by the city or county. Operation may be authorized only on roads with a speed limit of 35 mph or less. If operated on the roads at a speed of 25 mph or less, a Golf Cart is required to display a slow-moving vehicle emblem.
How fast does a 36 volt golf cart go?
between 12-14 mphHow fast is a 36 volt golf cart? Without any upgrades, you can plan on max speeds between 12-14 mph.
How much is a 2006 ezgo golf cart worth?
How much is a 2006 EZGO golf cart worth? The average price of a 2006 EZGO golf cart is about $2,500. The price of the golf cart depends on whether it's a gas cart or an electric cart.
How do you transport a golf cart?
3:428:52Transporting A Golf Cart - YouTubeYouTubeStart of suggested clipEnd of suggested clipThis tote trailer works for you guys right now it's all hooked up to the truck. I release the safetyMoreThis tote trailer works for you guys right now it's all hooked up to the truck. I release the safety pin undo the lock one-man-show here so I take my tighter for a counterweight hang it on this.
What does comprehensive cover on a golf cart?
Additionally, comprehensive covers damage from a fire, hitting an animal, an act of nature or glass breakage.
What is an uninsured motorist?
Uninsured/underinsured motorist bodily injury and property damage. Covers you and any passengers while riding in your golf cart if you’re injured by another driver with no insurance or not enough insurance. You’re also covered if an uninsured or underinsured driver damages your golf cart.
Does golf cart insurance cover property damage?
Bodily injury and property damage liability. Although not required in every state, golf cart liability insurance can protect you if you’re liable because you injured someone or damaged their property while riding your golf cart. Your court costs and legal fees are also covered up to your policy’s limits.
What states require golf cart insurance?
These would be Arkansas, Delaware, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Maryland, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania, South Dakota, Texas, Utah, Virginia, Washington and the District of Columbia.
Do you need special insurance for a cart?
You don’t need a special insurance policy for that, but a quick call to your insurance company could clear up that question quickly. On the other hand, you might have a cart that’s intended use is for your residential community, which would usually be a gated homeowner’s association. If this is the case, your insurance agent will want to know ...
Why are golf carts so popular?
Golf carts and low speed vehicles (LSVs) are growing in popularity because they are convenient, relatively easy to operate, and versatile.
What is discount insurance?
1 Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. 2 Optional coverage.
Does golf cart insurance cover spouse?
This covers medical expenses for a passenger injured while riding with you in your golf cart. This does not include your spouse, who is already protected under your medical coverage.
Does homeowners insurance cover golf carts?
Your homeowners policy may give you some coverage for use of a golf cart, but it's very limited and there are many common situations that could leave you without protection. For example, many homeowners policies won' t cover you when you drive to a neighbor's house, which is a typical use for these types of vehicles.
Can you get stranded in a golf cart accident?
But with Roadside Assistance, you won’t get stranded in the event of a breakdown, flat, or any other covered incident that requires emergency assistance or a tow.
How do I insure a golf cart?
Quick Answer List: Should I insure my golf cart? 1 Home or auto insurance may cover a standard cart not licensed for use on a public road. 2 If the cart has modified speed, a separate mini auto or golf cart policy may be required. 3 Golf cart coverage is required in some states. 4 Even if you only use your cart at a club, home or auto coverage may not be sufficient for every hazard you face.
Do you need a specialty policy for a golf cart?
If you have a golf cart model with a speed modification, or one that you have licensed for use on a public road—such as driving around a neighborhood—then you may need a specialty policy for low speed vehicles. In fact, your state may require your cart to be insured like a traditional auto, not to mention any community clubs or homeowner ...
Does home insurance cover a golf cart?
Home or auto insurance may cover a standard cart not licensed for use on a public road. If the cart has modified speed, a separate mini auto or golf cart policy may be required. Golf cart coverage is required in some states.
What is Golf Cart Insurance?
Golf cart insurance works similarly to car insurance: it covers your liability (say, if you hit other people or property ). It also covers the value of your golf cart (if stolen, vandalized, or damaged in a collision ).
Do I Need Golf Cart Insurance?
Some homeowner associations (HOAs) require all residents’ golf carts to have insurance. If you live in a golf community, for example, then you may need to purchase specific golf cart insurance. Some HOAs also require you to name the HOA as an additional insured.
How Homeowners Insurance Covers Golf Carts
Many homeowners insurance policies cover golf carts. If you have homeowners insurance, then you may not need to buy an additional golf cart insurance policy: you may already be covered.
When Do I Need Special Golf Cart Insurance?
If your homeowners insurance doesn’t cover golf carts, then you may need to buy special golf cart insurance.
How Much Does Golf Cart Insurance Cost?
Golf cart insurance tends to be cheap. Golf cart incidents are rare, and insurers rarely have to pay for golf cart-related claims.
Golf Cart Insurance Exclusions
If you have golf cart insurance, then your golf cart should be covered. However, insurers can deny golf cart insurance claims for certain reasons, including:
Final Word
Yes, there is special golf cart insurance. You may need special golf cart insurance if required by your state, city, or HOA.
