Some states, like Florida, don't require insurance on golf carts (unless they are LSVs) but have roadways specifically for golf carts. Other states, like Arizona and North Carolina, have set minimum coverages required for any golf cart that will travel on public roads.
Full Answer
Is state Farm a good insurance company for You?
State Farm is a pretty good insurance company, scoring well in terms of customer service, coverage options and claims processing. State Farm also offers generous discounts for auto insurance policies, as well as discounts for bundling multiple insurance plans.
What insurance do you need for a golf cart?
- Golf cart insurance is an insurance policy that covers damage to your golf cart and damage that your golf cart causes.
- Buying golf cart insurance depends on where you ride and how you use your golf cart.
- It covers bodily damage liability, property damage liability, collision and comprehensive damage to your cart.
Is golf cart insurance worth it?
It may seem like yet another thing you need to pay for, but the bottom line is that golf cart insurance is something to consider if you own a golf cart. Most major insurance providers offer golf cart insurance or golf cart riders to your existing home insurance policy at a reasonable cost.
Do you need special insurance for a golf cart?
You may need special golf cart insurance if required by your state, city, or HOA. However, if you are using your golf cart for normal purposes (on your own property or at a golf course), then your homeowners insurance should cover your liability.
Is golf cart insurance required in Texas?
Remember: While golf carts don't require insurance to register them, they do require insurance to be operated on the roadway and you must carry the insurance with you! Golf carts may be operated on roads with a speed limit of 35 mph or less, during the daytime.
How many miles per gallon does a golf cart get?
Depending on the manufacturer, most gas golf carts have between a 5 and 6 gallon gas tank and get about 40 miles to the gallon. Electric golf carts with fully charged batteries in perfect condition get about 35 miles to the full charge.
Is it better to have gas or electric golf cart?
Both gas and electric carts have their purposes. If you want to drive long distances, or use the cart where you wont have access to electricity, a gas cart may be a better option. Electric carts are great for their lower cost, quiet, fast ride, and less maintenance.
How much does it cost to insure a street legal golf cart in Florida?
If your golf cart is not registered with the FL DMV, you should be able to cover your Golf Cart with a simple endorsement to your home insurance or a stand-alone Golf Cart insurance policy. The cost of both options is relatively small (usually between $70-$150 per year), but I'd strongly suggest the stand-alone policy.
How far will a 48V golf cart go?
The maximum range of this new battery when powering a 48V E-Z-GO RXV golf cart is approximately 20.5 miles when moving at 12 miles per hour. In golfing terms, this equates to around 3 rounds or 54 holes.
What is better 36 volt or 48 volt golf cart?
Basically, a 48V system gives you more “pep in your step” and picks up/speeds up a bit faster than a 36V system. Energy Needed/Amps Drawn- A 48V system draws less amps and provides a little more range with all things being equal (cart/passenger payload weight, motor horsepower, etc).
How long do the batteries last in a golf cart?
That all being said, properly maintained battery packs in fleet carts tend to last about 4-6 years while private owners tend to get about 6-10 years out of their battery packs. Other major factors include the type of options on the cart that may increase the draw from the battery pack.
How long do electric golf carts last?
With all other brands-EZ Go, Yamaha, etc... They make them with steel frames and they will rust and eventually break. Longevity ranges between 30-40 years or longer for the various manufacturers.
How much does it cost to replace golf cart batteries?
Average Price of Golf Cart Batteries The average price of a golf cart battery replacement is going to be in the $800 to $1,500 range. Depending on the type of battery, it could even be in the $2,000 ballpark because powerful golf carts like a 72V need more expensive batteries installed.
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.
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.
Do you have to register golf carts in Florida?
Golf carts are not required to be titled or registered and, therefore, are not required to be insured with PIP and PDL insurance coverage. Golf cart operators are not required to have a driver license; however, to operate a golf cart on designated public roadways, a person must be 14 years or older.
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How much does golf cart insurance cost?
Here is some general information on monthly costs: You may pay as little as $4 a month. If you add golf cart coverage to your current homeowner's insurance.
What is golf cart insurance?
KEY TAKEAWAYS. Golf cart insurance is an insurance policy that covers damage to your golf cart and damage that your golf cart causes. Buying golf cart insurance depends on where you ride and how you use your golf cart. It covers bodily damage liability, property damage liability, collision and comprehensive damage to your cart.
Does golf cart insurance cover off road driving?
Other states, like Arizona and North Carolina have set minimum coverages required for any golf cart that will travel on public roads. 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.
Do you have to have liability insurance on a golf cart?
Not every policy will let you add the golf cart as a rider to your homeowner's insurance policy. Sometimes, you'll have to get it separately. Think about Florida and Arizona, where the weather is warm where and riding around in a golf cart, even on public roads, is almost a way of life. In fact, in Arizona, if you drive a golf cart on the road, you are required to have liability insurance on your golf cart.
Can you drive a golf cart in a retirement community?
But before you hop on, be sure to check out the insurance requirements for the state you'll be driving it in.
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.
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.
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 ...
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 ...
What is the best way to maintain a golf cart?
Electric - If one of your priorities is buying a golf cart that’s easy to maintain, electric is the way to go. Your main maintenance will be checking and maintaining electrolyte levels in the cart’s batteries and keeping the batteries at the appropriate level of charge.
How many miles can you go on a golf cart?
How you'll use a golf cart: Desired range: An electric cart’s range is typically 15 to 25 miles, depending on the type of battery. With a 4 to 6 gallon fuel tank, you’ll average 100 to 180 miles with a gas cart. Business or pleasure?
Why are gas golf carts worth more than electric golf carts?
Once you’re looking to resell though (or if you’re buying used), gas golf carts are worth considerably more than electric carts because of the high cost of replacement batteries in electric carts.
How much horsepower does a gas cart have?
If you’re using a cart for maintenance work, you may need something more powerful. Gas carts tend to have more power, with their ICE motors averaging 10 to 14 horsepower. Electric carts typically have 4 to 6 horsepower motors.
How fast can a golf cart go?
According to Motor and Wheels in order for a golf cart to be street legal it must be able to travel at least 20 miles per hour and have the following equipment: Speedometer;
Why do golf courses use electric golf carts?
On the golf course: Most golf courses are switching to electric golf carts now because overall costs are lower, mostly because the cost of electricity is less than the cost of gas. Indoors: Electric is the clear choice.
Do you need to change the oil on a gas golf cart?
Gas - With a gas cart, you’ll need to change the oil regularly and replace spark plugs and oil filters. Both carts will require regular maintenance on tires, suspension, steering and brakes. Be sure you have a place to store your golf cart too. If you don’t, you’ll have additional maintenance costs to consider.
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.
Is a golf cart covered by homeowners insurance?
Golf Carts are not generally covered on a standard Homeowners policy. So, if you are looking to purchase (or already have) a golf cart, you really need to consider some options and make sure to add the right coverage for your situation.
Can you stop a golf cart in Florida?
If your golf cart is modified and registered with the FL DMV (considered a LSV, Low Speed Vehicle), you can stop here, as you no longer have a golf cart from an insurance standpoint, as Florida Law now classifies your golf cart (LSV) as a regular automobile.
