Coverage Guide
Golf Cart Insurance Guide
Cart types and coverage options
Golf Cart Type Rates
| Type | Description | Rate Factor |
|---|---|---|
| Standard Golf Cart | Course use only | ×0.8 |
| LSV (Street-Legal) | Low-speed vehicle | ×1.2 |
| Utility Cart | Work/hauling | ×0.9 |
| Luxury/Custom | Lifted, upgraded | ×1.4 |
| Neighborhood Cart | Community use | ×1 |
Coverage Options
Liability
Bodily injury, property damage
Collision
Accident damage
Comprehensive
Theft, fire, vandalism