Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 20, 2021

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The Lowdown

  • Progressive has the lowest rates for golf cart insurance
  • Customers can add golf carts to homeowner’s insurance
  • The right coverage depends on how you use your golf cart

The best auto insurance companies cover golf carts. Progressive has the lowest golf cart insurance rates, and coverage options are similar to cars. Learning more about the best auto insurance companies for golf cart owners will help you find the best coverage.

Before discovering more about the best auto insurance companies for golf cart owners, enter your ZIP code to get free car insurance rates in your area.

What rates are available from the best auto insurance companies for golf cart owners?

Comparing the best affordable auto insurance companies for golf cart owners will help you determine the lowest rates. The following chart shows the average monthly rates for golf cart insurance.

Average Monthly Rates from the Best Auto Insurance Companies for Golf Cart Owners
CompanyAverage Monthly Golf Cart Insurance Rates
Allstate$103
GEICO$145.37
Nationwide$69.75
Progressive$47
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As you can see, Progressive golf cart insurance has the lowest of the best auto insurance companies’ rates for golf cart owners.

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What policies are available from the best auto insurance companies for golf cart owners?

Golf cart policies provide the same coverage as for cars. The most common golf cart insurance policies include:

  • Property damage liability
  • Bodily injury liability
  • Collision
  • Comprehensive
  • Medical payments

In addition to these basic coverages, golf cart owners can purchase optional policies that cover aftermarket parts and equipment. This type of coverage protects custom bodies, lift kits, and engine modifications. Some companies also offer roadside assistance and course-side assistance.

If your golf cart is licensed for on-road use, it might be difficult to find coverage in states that have strict personal injury protection laws. These states include:

  • Florida
  • Kentucky
  • Maryland
  • Michigan
  • Minnesota
  • New York
  • North Dakota
  • Oregon
  • Pennsylvania
  • Utah
  • Washington

Faster golf carts might be considered low-speed vehicles. While golf carts usually have a maximum speed of 20 miles per hour, low-speed vehicles have a maximum speed of 20 to 25 miles per hour. Golf carts that reach 20 to 25 miles per hour might have different coverage options and rates.

What policies do you need?

The best golf cart insurance policy depends on how the cart is used. Driving on public roads requires more coverage than on private property. While there are more dangers to driving with other vehicles, states have different requirements for those on public streets.

When driving on public roads, you’ll need to maintain the minimum required car insurance as determined by that state. The minimum coverage usually includes property damage liability and bodily injury liability.

If you remain on private property, there is no required insurance coverage.

Golf cart owners usually don’t need collision or comprehensive coverage, two policies common for cars, because they don’t drive as fast or on busier streets. However, the minimum coverage will provide protection should you run into a vehicle or cart.

If your golf cart reaches over 20 miles per hour on public streets and is considered a low-speed vehicle, you’ll be required to display a slow-moving vehicle emblem on the cart.

How can you obtain coverage from the best auto insurance companies for golf cart owners?

The most effective way to obtain golf cart insurance is through your auto insurance company. Some companies offer this type of coverage as a standalone offering and others consider a golf cart a recreational or off-road vehicle.

Some companies allow you to add a golf cart to your home insurance. However, if the cart is registered for use on public roads, you may not be able to add it to your homeowner’s policy, as this type of policy is exclusively for objects or vehicles on your property.

The best auto insurance companies’ quotes for golf cart owners can be as low as $4 per month when you add a golf cart to your homeowner’s insurance.

When looking to buy golf cart insurance, you’ll find that some companies specialize in these types of vehicles. These companies, like Good Sam golf cart insurance, are often promoted as RV insurance providers.

What discounts are available from the best auto insurance companies for golf cart owners?

According to the Insurance Information Institute, there are various ways to save money on auto insurance. Similar to larger vehicles, you can use discounts to save money on golf cart coverage as well.

Some of the most popular ways to get discounted golf cart insurance from auto insurance companies include:

  • Bundling: You can add a golf cart to your existing home and auto insurance bundle.
  • Paying in full: Paying your annual costs up front instead of in monthly installments will oftentimes result in lower rates.
  • Safety certification: Auto insurance companies consider those that complete a safe driving course safer drivers and offer discounts for certification.

These discounts can lower your rates but customers can also bundle discounts for greater savings. However, some companies only offer discounts for standalone coverage, so you might not be eligible if you add your golf cart to your homeowner’s insurance policy.

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Best Auto Insurance Companies for Golf Cart Owners: The Bottom Line

Auto insurance companies offer golf cart coverage as a standalone option or as an add-on to an existing policy.

Progressive has the lowest rates, but it depends on your chosen coverage. Learning more about the best auto insurance companies for golf cart owners will allow you to obtain the best policy.

Now that you know about the best auto insurance companies for golf cart owners, enter your ZIP code to get free car insurance quotes in your area.