Alabama Golf Cart Insurance (2026)

Alabama requires liability insurance for any motor vehicle operated on public roads, and that includes low-speed vehicles (LSVs). If you register a golf cart as an LSV for street use, you must carry at least the state minimum liability coverage of 25/50/25 before driving it on public roads.

Standard golf carts used exclusively on private property, golf courses, or gated communities do not need insurance by law, though many owners still carry coverage for theft and damage protection. Once you register an LSV with the Alabama DMV and receive a license plate, proof of insurance is required at the time of registration.

Alabama is a tort state for auto insurance, meaning the at-fault driver is responsible for damages. Golf cart owners using their vehicles on public streets should consider adding uninsured motorist coverage, as golf carts are more vulnerable in collisions with standard vehicles.

• Registration Requirement: Any LSV driven on public roads must be registered with the state, which triggers the insurance requirement.
• Local Authorization Needed: Alabama only permits LSV operation in municipalities that have specifically authorized it by local act or ordinance.
• Alfa Insurance: Alabama-based Alfa Insurance is a popular regional carrier that offers competitive golf cart/LSV policies.
• Homeowners Policy Option: Some Alabama homeowners policies may cover golf carts used on private property, but a separate auto policy is needed for street use.
• No-Fault Exceptions: Alabama is not a no-fault state, so standard liability rules apply to golf cart accidents.