Golf Cart & LSV Insurance in Bradenton and on Anna Maria Island
Protect Your Ride. Protect Your Peace of Mind
On Anna Maria Island and around Bradenton, the rules for golf carts change at nearly every city line. A cart that's legal on one street may not be allowed a mile away, and in some places only a registered low-speed vehicle (LSV) can use the road at all. The Ritz Agency insures golf carts and LSVs anywhere in Florida from our office in Ocala, and we'll help you match your coverage to where you actually drive.
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Golf cart rules, city by city
Holmes Beach
- Golf carts may use city streets except any street posted at 26 mph or higher.
- Carts may cross Gulf Drive, Palm Drive and Marina Drive from approved streets, but a state road may be crossed only at a signalized intersection approved by FDOT as a golf cart crossing. Carts may not drive along Gulf Drive, Palm Drive or the 5300–6600 blocks of Marina Drive.
- The city code requires every cart to be registered with the city, and registration is limited to Holmes Beach residents.
- The city's website currently says the registration period has ended, so check with the Holmes Beach Police Department before driving a cart there.
- Every rider needs a seat belt.
- Carts are not allowed on sidewalks, bike lanes, the beach, beach accesses or parks.
Bradenton Beach
- Golf carts may use city roads except roads posted as prohibited.
- Owners must carry liability insurance covering injuries and property damage, and keep proof of insurance with them while driving.
- Carts run from sunrise to sunset unless equipped with headlights, brake lights, turn signals and a windshield.
- LSVs may use city roads posted at 35 mph or less.
Anna Maria
The city code doesn't designate streets for golf carts, so a plain golf cart isn't street-legal there. A registered LSV is the street-legal option on roads posted at 35 mph or less.
City of Bradenton
The city code doesn't designate streets for golf carts, so on Bradenton city streets a registered LSV is the way to go.
Unincorporated Manatee County
The county allows golf carts only on designated roads inside these communities:
- Trailer Estates
- El Conquistador
- Palm Aire
- Tara
- River Club
- Tidevue Estates
- Heather Hills Estates
- the Village of Cortez
- Terra Ceia Island
- Fair Lane Acres
Designated crossings include El Conquistador Parkway and Erie Road at Marie Lane.
Driving an LSV to and around the island
- An LSV can only be driven on roads posted at 35 mph or less, and it may cross faster roads at intersections.
- Before heading over a bridge or causeway, check the posted limit; any stretch posted above 35 mph is off-limits to an LSV.
- LSVs must be titled, registered and insured with at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL), and the driver needs a valid driver license.
What your policy should cover here
- Liability: required for golf carts in Bradenton Beach, and the most important protection anywhere: it pays if your cart injures someone or damages property.
- Your passengers: medical payments coverage helps with injuries to people riding with you.
- Storm and flood exposure: carts stored on a barrier island face hurricane and flood risk, so ask about physical damage coverage.
- Custom equipment: lift kits, wheels, lights and seats.
For the statewide rules, see our guide to golf cart vs. LSV insurance and registration in Florida.
Get Your Golf Cart Insurance Today
Contact The Ritz Agency today to get a free quote, compare coverage options, and find the perfect policy for you.
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Frequently Asked Questions
Do I need insurance on my golf cart in Bradenton Beach?
Yes. Bradenton Beach requires golf cart owners to carry liability insurance covering injuries and property damage, and to keep proof of insurance with them while driving the cart on city roads.
Can I register a golf cart in Holmes Beach?
Holmes Beach requires carts on city streets to be registered with the city, and registration is limited to residents. The city's website currently says the registration period has ended, so contact the Holmes Beach Police Department before driving a cart there.
Can I drive my LSV over the bridge to Anna Maria Island?
An LSV may only be driven on roads posted at 35 mph or less. Check the posted limit on the bridge or causeway before crossing; if any stretch is posted above 35 mph, an LSV can't use it.
Where can I drive a golf cart in unincorporated Manatee County?
Only on designated roads inside certain communities, including Trailer Estates, El Conquistador, Palm Aire, Tara, River Club, Tidevue Estates, Heather Hills Estates, the Village of Cortez, Terra Ceia Island and Fair Lane Acres.
Golf cart or LSV — which do I need in Bradenton?
Bradenton's city code doesn't designate streets for golf carts, so a plain cart isn't street-legal on city streets. A registered, insured LSV can be driven on roads posted at 35 mph or less.
Do you insure golf carts kept on Anna Maria Island?
Yes. We insure golf carts and LSVs anywhere in Florida, including carts kept on Anna Maria Island. See our guide to golf cart and LSV insurance in Florida for the statewide rules.
Local rules last checked October 2026. Cities can change their golf cart rules, so confirm with local police before driving somewhere new.
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