Best Car Insurance Company for a Golf Cart (2024)

The best insurance companies offer golf cart coverage to owners. Progressive has the cheapest golf cart rates, and the coverage options are similar to larger vehicles. Understanding more about the best car insurance companies for golf cart owners will help you find the best coverage.

Before looking into the best car insurance companies for golf cart owners, enter your ZIP code to find free auto insurance quotes in your area.

What are the cheapest rates from the best car insurance companies for golf cart owners?

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

Average Monthly Rates from the Best Car Insurance Companies for Golf Cart Owners

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

What policies are provided 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 –– such as the best collision car insurance companies
• 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 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 on 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.

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

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 that you only use your golf cart on your property.

The best car insurance companies’ quotes for golf cart owners adding a golf cart to their homeowner’s policy provide coverage as low as $4 per month.

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

What discounts are offered by the best car insurance companies for golf cart owners?

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 insurance companies provide 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 up front eliminates the risk of missing payments. Insurance companies offer discounts for paying in full rather than in monthly installments.
• Safety certification: Drivers that complete safe driving courses are less likely to get into accidents. Car insurance companies commonly provide discounts for completing these programs.

Each of these discounts 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

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 for golf cart insurance. He decided to choose Progressive for his coverage, saving 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 coverage for her golf cart. She found that the coverage options provided by the best car insurance companies for golf cart owners were similar to those for larger vehicles. This reassured her that her golf cart would be adequately protected in case of any accidents or damages.

Case Study 3: Lisa’s Policy Based on Usage

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

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

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

While you can buy golf cart insurance as a stand-alone policy, you can also add it to your homeowner’s insurance. Progressive provides the lowest rates, but it depends on the coverage you choose. Read our Progressive insurance review for more information. 

Learning about the best car insurance companies for golf cart owners will help you get the best coverage.

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.