Golf Cart Insurance in Florida
Comprehensive coverage for personal, commercial, and street-legal golf carts
Get Golf Cart QuoteWhy You Need Golf Cart Insurance
Golf carts are becoming increasingly popular for neighborhood transportation, golf course use, and commercial applications. Whether you use your golf cart on the golf course, in your community, or for business purposes, proper insurance coverage protects you from liability and property damage.
- Liability Protection: Coverage for bodily injury and property damage to others
- Physical Damage: Protection for your golf cart against theft, vandalism, and accidents
- Medical Payments: Coverage for medical expenses regardless of fault
- Uninsured Motorist: Protection when involved with uninsured drivers
- Personal Property: Coverage for items stored in your golf cart
Types of Golf Cart Coverage
We offer comprehensive insurance solutions for all types of golf cart usage
Personal Use
Coverage for golf carts used in neighborhoods, communities, and personal recreation.
Golf Course
Specialized coverage for golf carts used exclusively on golf courses and private clubs.
Street Legal
Comprehensive coverage for street-legal golf carts used on public roads.
Commercial
Business coverage for golf carts used in commercial operations and rental fleets.
Florida Golf Cart Insurance Requirements
Street-Legal Golf Carts
In Florida, street-legal golf carts operating on public roads must have:
- Minimum liability insurance coverage
- Valid registration and license plate
- Safety equipment (lights, mirrors, seat belts)
- Maximum speed capability of 25 mph
Private Property Golf Carts
While not legally required, insurance is highly recommended for golf carts used on:
- Private communities and neighborhoods
- Golf courses and country clubs
- Commercial properties and resorts
- Farms and large private properties
Factors Affecting Golf Cart Insurance Rates
Cart Factors
- Make, model, and year of golf cart
- Value and replacement cost
- Safety features and modifications
- Storage location (garage vs. outdoor)
Usage Factors
- Primary use (personal, commercial, golf course)
- Operating location (private property vs. public roads)
- Frequency of use
- Driver experience and age
Why Choose Greauxx Insurance Website for Golf Cart Coverage?
- Florida Expertise: Deep knowledge of state golf cart regulations
- Multiple Carriers: Access to specialized golf cart insurance providers
- Custom Coverage: Tailored policies for your specific usage needs
- Competitive Rates: Compare quotes to find the best value
- Local Service: Personal attention from Florida-based agents
- Claims Support: Dedicated assistance when you need it most