Last updated: March 2026
How Much Does Golf Cart Insurance Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Liability-Only Golf Cart Insurance (monthly) | $0 – $0 | $10 – $25 |
| Full Coverage Golf Cart Insurance (monthly) | $0 – $0 | $20 – $50 |
| Homeowner's Endorsement for Golf Cart (monthly) | $0 – $0 | $5 – $15 |
What Affects the Cost
- Your age, location, and health status
- Coverage level and deductible chosen
- Provider or carrier
- Claims history
- Credit score (for some insurance types)
- Discounts available (bundling, loyalty, safe driver, etc.)
Insurance Coverage
Typical coverage: Golf cart insurance covers liability, collision, and theft for golf carts used on and off the golf course. Required in some areas for street-legal golf carts.
Insurance costs vary widely based on coverage level, location, age, and claims history. Shopping around and comparing quotes is the single most effective way to save money on insurance premiums.
How to Save Money
- Compare quotes from at least 3-5 providers
- Bundle policies (home + auto) for 10-25% discounts
- Choose higher deductibles for lower monthly premiums
- Ask about all available discounts
- Review coverage annually during open enrollment
- Consider employer-sponsored plans which subsidize 50-80% of premiums
Related Procedures & Costs
Frequently Asked Questions
Golf cart insurance costs $10 to $50 per month. A standalone policy averages $100 to $300 per year. Adding a golf cart to homeowner's insurance is often cheapest at $50 to $150 per year.
If your golf cart is used on public roads (LSV - Low Speed Vehicle), most states require liability insurance. Golf carts used only on the course or your property may not need coverage.
Some homeowner's policies cover golf carts on your property. An endorsement can extend coverage, but a standalone policy provides better protection for off-property use.