Best Car Insurance Company for Golf Carts (2025) (See the Top Providers Here)

Top Pick for Golf Carts: Geico

19,116 reviews

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4.1

Table of Contents

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Company Facts

Full Coverage for Golf Carts

$130/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

• Competitive Rates
• 24/7 Customer Service
• Fast Claims Process

• Limited Local Agents
• No Custom Coverage
• Rate Increases

» Geico Car Insurance Review

19,116 reviews

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Best Discounts for Golf Carts: Allstate

11,638 reviews

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4.0

Company Facts

Full Coverage for Golf Carts

$202/mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

• Multiple coverage options
• Various discounts
• Additional savings programs

• Lower than average customer service ratings
• Higher than average auto insurance rates

» Allstate Car Insurance Review

11,638 reviews

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Best Savings for Golf Carts: State Farm

18,154 reviews

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4.1

Company Facts

Full Coverage for Golf Carts

$133/mo

A.M. Best Rating

B

Complaint Level

Low

Pros & Cons

• One of the largest insurance companies in the US
• High levels of customer satisfaction
• Affordable rates for people with a speeding ticket or an accident on their record
• Wide variety of discounts available
• Rideshare insurance

• High rates for drivers with poor credit scores
• No gap coverage
• Options like new vehicle replacement, vanishing deductibles, and accident forgiveness are not available

» State Farm Car Insurance Review

18,154 reviews

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Geico is the top pick among the best car insurance companies for golf carts, providing affordable rates and reliable protection. Allstate and State Farm also stand out with low rates and customizable policies to suit different needs.

These insurance providers offer reliable protection for golf carts and various types of car insurance coverage for cars driven on private property or public roads.

Our Top 10 Company Picks: Best Car Insurance Companies for Golf Carts

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	25%	A++	Senior Discounts	Geico
	#2	25%	A+	Safe-Driving Discounts	Allstate
	#3	17%	B	Student Savings	State Farm
	#4	20%	A	Family Plans	Farmers
	#5	25%	A	Loyalty Rewards	American Family
	#6	10%	A++	Military Savings	USAA
	#7	13%	A++	Comprehensive Coverage	Travelers
	#8	25%	A	Add-on Coverages	Liberty Mutual
	#9	10%	A+	Competitive Rates	Progressive
	#10	20%	A+	Vanishing Deductible	Nationwide

By comparing coverage and rate options from these leading providers, golf cart owners can get the best insurance at the cheapest price.

Enter your ZIP code to use our free comparison tool to find the best car insurance for golf carts and secure reliable coverage.

#1 –  Geico: Top Overall Pick

Pros

• Senior-Specific Discounts: It provides additional car insurance savings for senior drivers who are golf cart owners.
• Affordable Premiums: Geico has low-cost car insurance for golf carts, especially for multi-policy holders.
• High Reliability: It is an A++ rated by A.M. Best, providing safe and reliable car insurance for golf cart owners.

Cons

• Limited Customization: Read our Geico insurance review to learn more. Some car insurance policies for golf carts may have limited add-on options.
• Bundling Restrictions: Not all car insurance policies for golf carts qualify for bundling discounts.

#2 – Allstate: Best for Safe-Driving Discounts

Pros

• Safe-Driver Incentives: These incentives reward safe and responsible drivers with lower car insurance premiums for golf carts.
• Multi-Policy Savings: Our Allstate insurance review can help you understand how bundling car insurance for golf carts with other policies can help you secure discounts.
• Security Savings: Offers anti-theft discounts, helping to lower car insurance premiums for golf carts when safety features or anti-theft devices are in place.

Cons

• Higher Premiums Without Discounts: Car insurance for golf carts may be costly if safe-driving discounts don’t apply.
• Less Competitive for Younger Drivers: Golf cart car insurance options may not be as affordable for younger individuals.

#3 – State Farm: Best for Student Savings

Pros

• Comprehensive Coverage: State Farm offers discounts to drivers who take a defensive driving course for automobile insurance.
• Defensive Driving Discounts: It offers discounts to golf cart insurance customers who qualify for a defensive driving course.
• Student Discounts: Students are provided discounted car insurance on golf carts, allowing them to save premiums.

Cons

• Basic Policy Options: Customization of car insurance policies for golf carts may be limited. Explore further details in our State Farm insurance review.
• Limited Bundling Options: There are fewer opportunities to bundle car insurance for golf carts than for other providers.

#4 – Farmers: Best for Family Plans

Pros

• Family Plan Savings: It offers discounts on car insurance for families that insure more than one golf cart.
• Multi-Policy Benefits: Combining car insurance for golf carts with other policies provides additional savings. Read more: Farmers insurance review
• Security-Focused Discounts: Discounts for anti-theft devices reduce car insurance premiums, rewarding increased security for golf carts.

Cons

• Higher Premiums Without Family Plans: Car insurance for golf carts can be expensive for individuals not on family plans.
• Limited First-Time Buyer Offers: First-time golf cart insurance buyers may not get many discounts.

#5 – American Family: Best for Loyalty Rewards

Pros

• Loyalty Benefits: Long-term customers receive rewards on car insurance for golf carts, resulting in additional savings.
• Safe-Driver Discounts: Read our American Family insurance review to learn more about how these companies offer golf cart insurance discounts for responsible drivers.
• Comprehensive Coverage Options: Offers broad coverage choices for golf cart insurance policies.

Cons

• High Premiums Without Loyalty Rewards: Without loyalty incentives, car insurance premiums for golf carts may be higher.
• Limited Geographic Coverage: American Family’s golf cart insurance may not be available in all states.

#6 – USAA: Best for Military Savings

Pros

• Military-Specific Discounts: Offers cheap car insurance for golf carts to active and retired military members. Obtain further insights from our USAA insurance review.
• High-Rated Insurer: An A++ rating ensures top-tier car insurance for golf carts with comprehensive coverage.
• Defensive Driving Savings: If you complete the defensive driving course, you can get an additional car insurance discount for golf carts.

Cons

• Exclusive to Military Families: Car insurance for golf carts is only available to military personnel and their families.
• Limited Discounts: Non-military members may not qualify for car insurance discounts with golf carts.

#7 – Travelers: Best for Comprehensive Coverage

Pros

• Comprehensive Policy Offerings: Offers robust car insurance coverage for golf carts, covering many risks.
• Multi-Policy Discounts: Read our Travelers insurance review highlighting how bundling car insurance for golf carts with other policies can help you save money.
• Defensive Driving Savings: Drivers who take a defensive driving course can receive additional discounts on golf cart insurance.

Cons

• Higher Premiums Without Bundling: Car insurance for golf carts may be more expensive without bundling policies.
• Fewer Standalone Options: Car insurance for golf carts may have fewer customization options if purchased independently.

#8 – Liberty Mutual: Best for Add-on Coverages

Pros

• Customizable Policies: It offers a variety of car insurance add-ons which helps golf cart owners can personalize their policy.
• Safe-Driver Incentives: Check out our Liberty Mutual insurance review to learn what discounts are available for golf carts.
• Multi-Policy Discounts: It offers savings when bundling car insurance for golf carts with home or other vehicle policies.

Cons

• Higher Premiums for Customization: Adding optional coverages can make car insurance more expensive with the golf cart.
• Not All Policies are Eligible for Discounts: Some car insurance options for golf carts may not qualify for bundling discounts.

#9 – Progressive: Best for Competitive Rates

Pros

• Affordable Rates: This company offers competitive car insurance on golf carts. Explore our Progressive insurance review for more information.
• Multi-Policy Discounts: Bundling car insurance for golf carts with other types of coverage leads to additional savings.
• Continuous Savings: It rewards customers who maintain continuous car insurance for golf carts.

Cons

• Higher Costs Without Discounts: Car insurance premiums for golf cart owners may be higher without bundling or other incentives.
• Limited Standalone Options: Car insurance policies may not offer as many customization features for golf carts.

#10 – Nationwide: Best for Vanishing Deductible

Pros

• Vanishing Deductible: Reduces the car insurance deductible for safe golf cart drivers over time.
• Multi-Policy Discounts: Bundling car insurance for golf carts with other policies allows for significant savings.
• Defensive Driving Course Discounts: It offers additional savings for car insurance if a defensive driving course is completed.

Cons

• Higher Base Premiums: Read our Nationwide insurance review to learn more about how car insurance premiums for golf carts can be higher without discounts.
• Fewer Coverage Options: Customizing car insurance may be more limited for golf carts than other providers.

Understanding Car Insurance Monthly Rates for Golf Carts

When insuring a golf cart, it’s essential to understand the factors that affect monthly insurance rates. These rates can vary significantly depending on the provider and the type of coverage you choose, such as minimum or full coverage. You can find the most cost-effective option for your specific needs by comparing quotes. Let’s take a look at the monthly rates for golf cart car insurance by providers and coverage level

Golf Carts Car Insurance Monthly Rates by Provider & Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$51	$202
	$47	$132
	$62	$150
	$42	$130
	$65	$145
	$44	$124
	$63	$158
	$52	$133
	$43	$113
	$38	$115

As you can see, Geico and USAA offer some of the lowest rates for minimum and full coverage, with prices starting at $42 and $38 per month, respectively. On the other hand, companies like Liberty Mutual and Farmers charge higher rates, with minimum coverage costs ranging from $62 to $65 per month. Full coverage options can be as low as $113 with Travelers or as high as $202 with Allstate.

By carefully reviewing these options, golf cart owners can secure the best coverage without overpaying. Understanding full coverage car insurance is key, as it offers broader protection. Comparing rates and coverage ensures you get the proper protection at the best price.

Importance of Car Insurance Discounts For Golf Carts

Car insurance discounts for golf carts are crucial in reducing overall insurance costs. Understanding the discounts available can help golf cart owners secure the most affordable rates without sacrificing coverage.

Car Insurance Discounts From the Top Providers for Insurance Companies for Golf Carts

Insurance Company	Available Discounts
	Multi-Policy, Safe Driver, Anti-Theft Device, Pay in Full, Homeownership, Responsible Payer
	Multi-Policy, Good Driver, Loyalty, Homeownership, Defensive Driving Course, Early Signing
	Multi-Policy, Good Driver, Homeownership, Pay in Full, Anti-Theft Device, Occupational
	Multi-Policy, Good Driver, Anti-Theft Device, Military, Defensive Driving Course, New Vehicle
	Multi-Policy, Good Driver, Homeownership, Pay in Full, Anti-Theft Device, New Vehicle
	Multi-Policy, Good Driver, Defensive Driving Course, Pay in Full, Anti-Theft Device, Homeownership
	Multi-Policy, Good Driver, Homeownership, Pay in Full, Anti-Theft Device, Continuous Insurance
	Multi-Policy, Good Driver, Defensive Driving Course, Homeownership, Anti-Theft Device, Accident-Free
	Multi-Policy, Good Driver, Homeownership, Pay in Full, Anti-Theft Device, Continuous Insurance
	Multi-Policy, Safe Driver, Anti-Theft Device, Military, Defensive Driving Course, New Vehicle

The table above shows that top insurance providers offer various discounts to golf cart owners. Typical discounts include multi-policy, good driver, and anti-theft device savings, with companies like Allstate, Geico, and Progressive offering tailored incentives to policyholders.

Golf cart insurance in South Carolina
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Analyzing the available discounts reveals that bundling policies and maintaining a good driving record are key to saving. Choosing the right provider and taking advantage of relevant discounts can significantly lower premium costs.

In conclusion, golf cart owners should explore all discount opportunities to maximize savings. Considering whether you need insurance for a car you don’t drive can help ensure comprehensive coverage for your golf cart at a reduced cost.

Cheapest Rates from the Car Insurance Companies for Golf Cart Owners

Comparing the rates of multiple companies will help you discover the best insurance companies for golf cart owners. The following chart shows the average monthly rates for insuring a golf cart.

Car Insurance Average Rates From Top Providers for Golf Cart Owners

Insurance Company	Monthly Rates
	$25
	$28
	$22
	$23
	$26
	$24
	$21
	$27
	$29
	$20

As you can see, Progressive has the best car insurance company rates for golf cart owners.

Policies Offered by the Best Car Insurance Companies for Golf Cart Owners

When you compare car insurance companies that provide golf cart coverage, you should consider the available policies. Insurance companies that provide this type of coverage typically offer the same plans for golf carts as they do for larger vehicles.

The most common policies provided for golf carts include:

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

In some cases, a golf cart might be considered a low-speed vehicle, as they are often designed for gated community settings. It depends on the cart’s top speed. While a low-speed vehicle’s top speed is 20 to 25 miles per hour, a golf cart’s top speed is 20 miles per hour. Companies classify faster golf carts as low-speed vehicles.

The coverage you need for your golf cart depends on how you use it. If you only use your cart on private property, you might not need any coverage at all. However, if you drive it on public roads or property, you’ll need to maintain your state’s required minimum auto insurance coverage.

The minimum auto insurance requirements in most states include property damage liability and bodily injury liability coverage.

You likely don’t need more extensive protection, like collision car insurance and comprehensive car insurance, for your golf cart since most carts don’t exceed 20 miles per hour.

However, in addition to being required to have some coverage, it’s a good idea to protect your golf cart should you get into an accident with a car or another golf cart. Make sure you’re always attentive while driving a golf cart and avoid distracted driving. 

If your golf cart is considered a low-speed vehicle, the requirements are slightly different than they are for a typical golf cart.

For example, you’ll need to display a slow-moving vehicle emblem on your cart, informing drivers around you that your cart travels above 20 miles per hour.

Before you drive your cart in some public areas, like a campground, you’ll be required to provide proof of liability insurance. Rather than offering specific golf cart insurance for campgrounds, the liability insurance you obtain will be enough to use your cart.

Ways to Secure Coverage from Leading Car Insurance Providers for Golf Carts

The easiest way to obtain golf cart coverage is through your auto insurance provider. Some auto insurance companies offer stand-alone golf cart insurance, but most list a golf cart as a recreational or off-road vehicle. Many insurance companies allow golf cart owners to add their cart to their homeowner’s insurance policy. However, the company might require you only to use your golf cart on your property.

The best car insurance companies for golf cart owners offer quotes as low as $4 per month when adding the cart to a homeowner’s policy. You can also look for discounts, like a defensive driver car insurance discount, to reduce your premium further.

If your auto insurance company doesn’t offer golf cart coverage, you can find companies specializing in recreational vehicles. These companies, such as Good Sam, focus on providing insurance for RVs, ATVs, and other smaller units.

Available Discounts from Golf Cart Insurance Providers

The Insurance Information Institute says there are various ways to save on car insurance. Companies also provide ways to save on golf cart insurance. Knowing the available discounts for your golf cart coverage will help you find the lowest rates.

The most popular discounts for golf cart insurance include:

• Bundling: Most companies provide car insurance discounts for bundling your home and auto insurance. You can add a golf cart to your bundled policies, lowering your monthly rates. 
• Paying in Full: Paying upfront eliminates the risk of missing payments. Insurance companies offer discounts for paying in full rather than in monthly installments.
• Safety Certification: Drivers who complete safe driving courses are less likely to get into accidents. Car insurance companies commonly provide discounts for completing these programs.

Each discount will lower your rates, but you can also combine these discounts for even more savings. Some of these discounts might only be available for stand-alone policies, so you might not be able to obtain the savings if you add your cart to your homeowner’s insurance. Compare home insurance online for more information. 

Case Studies: Best Car Insurance Company for a Golf Cart

Selecting the best provider is essential for quality coverage and peace of mind when insuring your golf cart. Case studies point out how companies help clients lower their car insurance while insuring their carts.

These examples promote affordable rates and tailored policies, making golf cart owners more informed about their insurance choices.

Case Study 1: John’s Affordable Coverage With Progressive

John, a golf cart owner, wanted to find affordable car insurance coverage for his golf cart. After comparing rates from different insurance companies, he discovered that Progressive offered the lowest rates.

He also used the Progressive mobile app, which made managing his policy and reviewing options easier, as noted in the “Progressive Mobile App review.” This combination saved him money while still providing the necessary protection for his golf cart.

Case Study 2: Sarah’s Similar Coverage Options

Sarah, another golf cart owner, compared different car insurance companies to find the right coverage for her golf cart. By following the steps on how to get car insurance coverage, she discovered the best options available for her needs. This reassured her that her golf cart would be adequately protected in case of accidents or damages..

Case Study 3: Lisa’s Policy Based on Usage

Lisa, a frequent golf cart user, wanted to ensure she had the right coverage for her golf cart. She learned that the coverage she needed depended on how she used it. Since she primarily used it on private property, she realized that she might not need extensive coverage.

Lisa decided to customize her policy based on her specific usage to avoid unnecessary costs.

Why Finding the Right Golf Cart Coverage and Discounts Matters

Comparing rates from top providers is key to securing affordable golf cart insurance coverage. Additionally, exploring available discounts, such as multi-policy and good driver discounts, can significantly reduce your premium costs.

Liability insurance is essential for golf cart owners using their carts on public roads or shared spaces. Securing cheap liability car insurance ensures financial protection in accidents involving other people or property.

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