In the Sunshine State, golf carts are more than just a way to navigate the links—they are a primary mode of transportation in communities like The Villages, Sun City Center, and along the Gulf Coast. However, many Florida residents aren’t aware that the rules for golf cart insurance in Florida change depending on where you drive and how fast your cart can go.
At AA Insurance Consultants, we help Florida residents navigate these nuances. Whether you have a standard cart for the neighborhood or a street-legal vehicle for errands, we ensure you have the right protection for your lifestyle.
Is golf cart insurance legally required in Florida?
The answer depends on your vehicle’s classification. In Florida, there is a legal distinction between a standard “golf cart” and a Low-Speed Vehicle (LSV).
- Standard Golf Carts: If your cart has a top speed of 20 mph or less and is used primarily on golf courses or designated community roads, Florida law does not currently mandate insurance.
- Low-Speed Vehicles (LSVs): If your cart is “street-legal” (capable of speeds between 20 and 25 mph), it is classified as a motor vehicle. By law, LSVs must be titled, registered, and carry minimum insurance limits—traditionally $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL).
Note for 2026: Florida’s insurance landscape is evolving. With the planned repeal of the No-Fault law in July 2026, many LSV owners will need to transition from PIP to mandatory Bodily Injury Liability coverage.
Doesn’t my Florida homeowners insurance cover my golf cart?
In Florida, a standard homeowners insurance policy typically covers four main areas:
This is one of the most common misconceptions we see at AA Insurance Consultants. While a homeowners policy might provide limited “on-premises” coverage, it almost never covers you once you leave your property.
If you drive your cart to a neighbor’s house, a local shop, or a community center and cause an accident, your homeowners policy likely won’t pay for the damages or legal fees. A dedicated golf cart insurance policy provides “off-premises” protection, ensuring you are covered wherever the path takes you.
What does a typical golf cart policy cover?
A comprehensive policy from AA Insurance Consultants is designed to mirror the protections of a standard auto policy, but at a fraction of the cost. Key coverages include:
- Bodily Injury Liability: Pays for medical bills and legal expenses if you accidentally injure someone else while operating your cart.
- Property Damage Liability: Covers repairs if you hit a neighbor’s car, fence, or another golf cart.
- Collision Coverage: Helps pay for repairs to your cart if you are involved in an accident, regardless of who is at fault.
- Comprehensive Coverage: Protects your investment against non-collision incidents like theft, fire, vandalism, or damage from Florida’s notorious hailstorms and hurricanes.
- Uninsured Motorist: Provides protection if you are hit by another cart owner or driver who doesn’t have insurance.
Why Choose AA Insurance Consultants?
Navigating Florida’s specific statutes—especially with the significant insurance reforms taking place in 2026—can be overwhelming. At AA Insurance Consultants, we live and work in the same Florida communities you do. We understand the difference between a cart used for a quick round of 18 and one used as a daily driver. We work with top-rated carriers to find you the most competitive rates without sacrificing the specialized coverage your vehicle requires.
Don’t wait until an accident happens to find out you’re underinsured. Whether you need to cover a single cart or a fleet for your business, we are here to provide a clear, easy-to-understand quote. To protect your investment and your liability, please get in touch or submit the form today to receive a personalized quote from our Florida experts.
