What Golf Cart Insurance Covers in Florida

December 17, 2025

Updated October 2026

Quick answer: Golf cart insurance can include liability for injuries or damage you cause, collision and comprehensive for damage to your own cart, medical payments, and coverage for custom parts and accessories, depending on the policy. In Florida, a standard golf cart (20 mph or less) doesn't have to be insured under state law, but a low-speed vehicle (LSV) must carry at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL).

Golf carts are part of daily life in many Florida communities, from neighborhood streets to town squares and cart paths. This guide explains, in plain terms, what a golf cart policy can cover, how Florida law treats golf carts and low-speed vehicles, and what to check before you choose coverage, with sources at the end.

Golf cart or LSV? Start with Florida law

Florida law treats a golf cart and a low-speed vehicle (LSV) differently, and that changes what insurance you need.

Golf cart. Under Florida law, a golf cart can't go faster than 20 mph (section 320.01(22), Florida Statutes). Golf carts used under Florida's golf cart laws are not titled or registered, and Florida does not require Personal Injury Protection (PIP) or Property Damage Liability (PDL) on a regular golf cart.
Low-speed vehicle (LSV). A four-wheeled vehicle with a top speed over 20 mph but no more than 25 mph (section 320.01(41)), with required safety equipment such as headlamps, turn signals, a windshield, seat belts and a VIN. 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. LSVs may be driven only on streets with a posted speed limit of 35 mph or less (section 316.2122).
A cart modified to go faster than 20 mph no longer counts as a golf cart under Florida law. To drive it on public roads, it must meet Florida's LSV requirements, including registration and at least $10,000 in PIP and $10,000 in PDL.

Where and who can drive a golf cart on public roads (section 316.212):

Golf carts may only use roads a city or county has designated for them, and only between sunrise and sunset unless local rules allow night use and the cart has headlights, brake lights, turn signals and a windshield.
Drivers under 18 need a learner's license or driver license, and drivers 18 or older need a government-issued photo ID.

Our post on golf cart vs. LSV insurance and registration in Florida covers these rules in more detail, including converting a golf cart to an LSV.

Liability coverage

Liability coverage pays for bodily injury and property damage you cause to others with your cart, such as injuring a pedestrian or hitting a fence or another vehicle, up to your policy limits. Even where Florida does not require insurance on a golf cart, you can be held responsible if your cart injures someone or damages property. Choose limits with your agent based on what you would need to protect.

From Bryson Ritz, licensed Florida agent: The three biggest problems we find on golf cart policies are easy to fix before a claim and painful to discover after one. First, the cart is on the wrong type of policy, such as a street-legal LSV written on a policy meant for a cart that isn't driven on the road, or the other way around, which can lead to a denied claim. Second, people assume their homeowners policy covers their golf cart, and often it doesn't, which is why a separate policy is usually needed. Third, custom upgrades like tops, wheels, doors, front ends, lift kits and sound systems aren't listed on the policy, so they may not be covered if something happens. If you'd like us to look over your golf cart policy, give us a call at (352) 512-6334.

Coverage for damage to your own cart

Collision may pay to repair or replace your cart after a crash, such as hitting another vehicle or a tree, or a rollover, minus your deductible.
Comprehensive may pay for damage that doesn't come from a collision, such as theft, vandalism, fire, severe weather or falling objects, minus your deductible.

If you financed your cart, your lender may require these coverages.

Medical payments coverage

Medical payments coverage, where available, helps pay medical bills for you and your passengers after an accident, depending on the policy. Ask what limit is available and who it covers.

Custom parts and accessories

Lift kits, custom wheels, paint, upgraded seats, audio systems and other add-ons may need to be listed or covered separately. Depending on the policy, coverage for custom parts and accessories may be included up to a set amount or added for an additional premium. Tell your agent about every upgrade and what you paid for it.

Roadside assistance

Some policies offer roadside assistance as an option. Where it is offered, it may help with towing, a dead battery or a flat tire. Ask whether it is available on the policy you are considering and what it includes.

Uninsured motorist coverage

Uninsured motorist coverage helps pay for your injuries if a driver without enough insurance hits you. It is available on some golf cart and LSV policies but not all, so if it matters to you, ask whether the policy you are considering offers it.

What to check before you choose a policy

Whether your vehicle is a golf cart or an LSV, and whether it is registered for road use.
Where you drive it: on your property, on cart paths, or on public roads.
Whether a homeowners policy you already have covers the cart, and where that coverage stops. Many homeowners policies cover a golf cart only in limited ways, and policies vary.
Everyone who will drive the cart, so they can be listed on the policy.
The cart's year, make, model, serial number or VIN, top speed, what you paid and any upgrades.
What the policy excludes. Read the exclusions and ask your agent about anything that is unclear.

Frequently asked questions

Does Florida require insurance on a golf cart?

Florida doesn't require insurance on a standard golf cart (20 mph or less). A low-speed vehicle must be titled, registered and insured with at least $10,000 in PIP and $10,000 in PDL.

What is the difference between a golf cart and an LSV?

Under Florida law, a golf cart can't go faster than 20 mph. An LSV is a four-wheeled vehicle with a top speed over 20 mph but no more than 25 mph, with required safety equipment such as headlamps, turn signals, a windshield, seat belts and a VIN.

Does golf cart insurance cover theft?

Theft is usually covered under comprehensive coverage, depending on the policy. Check your policy for the deductible and any limits.

Are my cart's upgrades covered?

They may be, depending on the policy. Coverage for custom parts and accessories may be limited to a set amount unless you add more, so list every upgrade with your agent.

Does my homeowners policy cover my golf cart?

Sometimes, but often only in limited ways, and policies vary. Many homeowners policies don't cover a cart away from your home or exclude vehicles that must be registered, which includes every LSV.

This article is general information, not legal advice, and it does not describe what any particular policy will pay. Driving a cart or LSV in The Villages? See our page on golf cart insurance in The Villages, FL. Anywhere else in Florida, see golf cart and LSV insurance or call (352) 512-6334.

Sources

Golf Cart Insurance

Bryson Ritz

Bryson Ritz leads The Ritz Agency in Ocala, FL, a family agency with 1960s roots. Licensed in Florida P&C and life & health, he writes on local coverage.

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