Should You Get Golf Cart Insurance in Florida?

You do not have to be on the golf course to enjoy the many conveniences of driving a golf cart. Whether you are cruising around your Florida property, neighborhood, or city, you may be wondering if you should get golf cart insurance.

Like your home and vehicle, golf carts require a separate insurance policy. Your other insurance policies typically do not cover these compact vehicles or any sustained injuries while it is being operated.

Depending on how you utilize your golf cart, purchasing a separate golf cart insurance policy may be in your best interest. Insurance can help cover incurred accidents and injury expenses. Basic golf cart insurance coverage often includes:

  • Collision
  • Bodily injury liability
  • Property damage liability

Is Golf Cart Insurance Required in Florida?

Insurance laws vary from state to state, including insurance for golf carts. While several states require you to have golf cart insurance, the state of Florida does not require them to be titled, registered, or insured. However, these vehicles are designated to roadways that have a maximum posted speed limit of 30 mph or less, and the driver must be at least 14 years of age.

However, there are a few exceptions for low-speed vehicles (LSV), which can include some golf carts.

“Section 320.01(41), Florida Statutes, defines LSVs as “any four-wheeled vehicle whose top speed is greater than 20 miles per hour, but not greater than 25 miles per hour.” LSVs must be registered, titled and insured with personal injury protection (PIP) and property damage liability (PDL) insurance.” – FLHSMV

Finding the Best Golf Cart Insurance Policy for You

Shopping for golf cart insurance is similar to shopping for any other insurance policy. At GWK Insurance, we help individuals and families find the best insurance policies that meet their specific needs and budget. Contact us today to help you find the best insurance coverage for you.