2026 Calculator
Golf Cart Insurance Calculator
Estimate your golf cart coverage costs
Legal Disclaimer
This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
FAQ
How much does golf cart insurance cost in 2026?
Golf cart insurance costs $100-$300 per year for standard carts. Street-legal LSVs (low-speed vehicles) require auto-style coverage at $150-$400/year. Luxury or custom carts may cost $200-$500+ depending on value and modifications.
Do I need insurance for a golf cart?
Insurance requirements depend on usage. Course-only carts may be covered by the club. Street-legal LSVs require liability insurance like automobiles. Even for private property use, liability coverage is recommended.
Does homeowners insurance cover golf carts?
Some homeowners policies cover golf carts used only on your property, but coverage is limited. Carts used on public roads, in communities, or at golf courses typically need a separate golf cart policy or endorsement.