A golf cart isn’t automatically covered by auto insurance or homeowners insurance. Most of the time, you need to add on this coverage if it’s available from your insurance provider.

Golf cart insurance can usually cover:

• Damage to the golf cart caused by covered perils in your home insurance policy. That includes coverage for original parts, equipment, and accessories furnished by the manufacturer, dealer, or seller.
• Damage your cart causes to another person’s vehicle or property.
• Bodily injuries if you accidentally hurt someone with the golf cart.

Golf cart insurance usually won’t cover loss or damage caused by wear and tear, freezing, neglect, or mechanical or electrical breakdown; manufacturer’s defects; golf carts used for business purposes; damage during a contest involving racing, stunting, demolition, pushing, or pulling; or intentional damage. Some policies (including ours) only cover damage or loss to tires in cases of theft and fire.

When states require golf cart insurance, they usually mean property and bodily insurance liability coverage. Additionally, golf cart insurance may have a deductible that you have to meet before property coverage kicks in.

Who needs golf cart insurance?

Golf cart insurance requirements vary from state to state. Some states require liability coverage for the vehicle, while other states like Florida only mandate that the golf cart is registered. In the states where you drive your golf cart on public roads, such as Arizona where golf cart usage is high, you may be required to obtain an auto insurance policy for low-speed vehicles.

However, it’s wise for anyone who owns a golf cart to get golf cart insurance. This can mitigate the costs of accidents that can be very expensive to pay out of pocket.

How much is golf cart insurance?

Golf cart insurance rates typically depend on:

• The type of golf cart you own.
• Your location.
• How often do you use the cart. 

A standalone golf cart insurance policy can cost anywhere from $400 to more than $1,000 per year, but you can save money by adding an endorsement to your homeowner’s policy. Depending on where you drive your cart and your state’s insurance requirements, an endorsement for golf cart insurance can be as low as $75 per year.

How to get golf cart insurance

Talk to your insurer to add golf cart insurance to your homeowners' policy. Your insurance representative will probably ask for basic details about your golf cart, including its:

• Year
• Make
• Model
• Serial number

You may also need to furnish a description of where you drive it most often.