Golf Cart Insurance in Orlando & Central Florida

Florida doesn't require insurance on traditional golf carts used only on courses or private property, but Low Speed Vehicles (LSVs) — street-legal carts registered and titled with the state — must be insured like any other motor vehicle. Most HOAs and gated communities in Central Florida also require liability coverage regardless of LSV status.

Only in very limited circumstances — typically while on your own property. Off-premises use, operation by family members in gated communities, and street use are generally excluded. A dedicated golf cart policy closes those gaps with real liability limits and physical damage coverage.

A golf cart is limited to about 15–20 mph and is not street-legal outside of designated communities. A Low Speed Vehicle (LSV) has required safety equipment (seat belts, lights, turn signals, VIN), is titled and registered with the state, can reach 20–25 mph, and is permitted on roads with speed limits of 35 mph or less. Insurance requirements differ between the two.

Standard coverages include bodily injury and property damage liability, medical payments, uninsured motorist (important in Florida), collision and comprehensive for physical damage, and optional endorsements for custom wheels, stereo, lift kits, and accessories. We regularly place $50K+ in accessory coverage for heavily customized carts.

Generally no — traditional golf carts aren't considered 'autos' under most personal auto policies. Street-legal LSVs sometimes can be added to auto policies, but dedicated specialty carriers usually offer better coverage at a lower price.

A basic golf cart liability policy in Florida typically runs $75–$200 per year. Adding physical damage, accessories, and higher liability limits can push a fully loaded policy to $300–$500/year. We shop multiple specialty carriers to match coverage to how and where you drive.