Golf Cart & LSV Insurance in Sarasota, Siesta Key and Venice
Protect Your Ride. Protect Your Peace of Mind
In most of the Sarasota area, a plain golf cart isn't allowed on public streets. Florida only lets golf carts use roads a city or county has designated for them, and few streets here are designated. For most drivers, a registered low-speed vehicle (LSV) is the street-legal choice. The Ritz Agency insures golf carts and LSVs anywhere in Florida from our office in Ocala.
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Where golf carts are allowed
City of Sarasota and Siesta Key
- The City of Sarasota's code doesn't designate streets for golf carts, and Sarasota County's code doesn't designate any Siesta Key roads for them.
- On those public roads, plan on a registered LSV, which can be driven on roads posted at 35 mph or less.
North Port
North Port's city code designates golf cart roads in four areas:
- all city roads in Holiday Park Recreational District
- all city roads in Lakeside Plantation Community Development District
- Plantation Boulevard
- all city roads in Renaissance at West Villages
Some local roads have additional LSV restrictions, so always follow posted signs.
US 41 sidewalk near Warm Mineral Springs
- In May 2026, Sarasota County adopted an ordinance allowing golf carts on designated sidewalk segments at least 8 feet wide on the south side of US 41, from Lazy River Road to Talon Bay Drive.
- This stretch is in the North Port and Warm Mineral Springs area.
- Local reporting says the segment still needs approval from the City of North Port and the Florida Department of Transportation before it can be used.
Venice
- The city code doesn't designate streets for golf carts.
- Golf carts may not be driven or parked in city parks, beaches or recreation areas except where signs allow it.
What every LSV needs in Florida
- Paperwork and insurance: an LSV 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.
- Required equipment: headlamps, stop lamps, turn signals, a windshield, seat belts and a VIN, among other items.
- Where it can go: only roads posted at 35 mph or less, though it may cross faster roads at intersections.
- Some local roads have additional LSV restrictions, so always follow posted signs.
What your policy should cover here
- Liability: the protection that pays if you injure someone or damage property.
- Passengers: medical payments for the people riding with you.
- Storm damage and theft: after the 2024 hurricane season on this coast, many owners want physical damage coverage for storms and theft.
For the statewide rules, see our guide to golf cart vs. LSV insurance and registration in Florida.
Get Your Golf Cart Insurance Today
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Frequently Asked Questions
Can I drive a golf cart on Sarasota city streets?
The City of Sarasota's code doesn't designate streets for golf carts, so a plain golf cart isn't street-legal on city streets. A registered, insured LSV can be driven on roads posted at 35 mph or less.
Can I drive a golf cart on Siesta Key?
Sarasota County's code doesn't designate any Siesta Key roads for golf carts, so plan on a registered LSV for public roads there. LSVs can be driven on roads posted at 35 mph or less.
Where are golf carts allowed in North Port?
North Port's code designates golf cart roads in Holiday Park Recreational District, Lakeside Plantation Community Development District, Renaissance at West Villages and on Plantation Boulevard.
What is the new US 41 golf cart sidewalk?
In May 2026, Sarasota County approved golf cart use on designated sidewalks at least 8 feet wide on the south side of US 41 from Lazy River Road to Talon Bay Drive, in the North Port and Warm Mineral Springs area. Local reporting says it still needs approval from the City of North Port and the Florida Department of Transportation before it can be used.
Can I drive a golf cart in Venice's parks or on the beach?
Only where signs allow it. Venice's city code bars golf carts from being driven or parked in city parks, beaches and recreation areas except in areas designated by signs, and sets a 15 mph limit there unless otherwise posted.
Do you insure golf carts and LSVs in Sarasota County?
Yes. We insure golf carts and LSVs anywhere in Florida, including Sarasota County. 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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