Alaska Golf Cart Insurance (2026)
Golf cart insurance requirements in Alaska, including $50,000/$100,000/$25,000 minimum liability and $125–$300/year average cost.
Key Facts
Alaska Golf Cart Insurance Map
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Overview
Alaska requires liability insurance for all motor vehicles operated on public roads, including low-speed vehicles (LSVs). If you register a golf cart as an LSV, you must carry the state minimum liability coverage of 50/100/25, which is notably higher than most other states.
Alaska has some of the highest minimum liability requirements in the country, reflecting the state's concern for adequate coverage in a region where medical and repair costs can be elevated. Any LSV driven on roads with speed limits of 35 mph or below must be insured before it can be legally operated.
Golf carts used exclusively off-road or on private property are not subject to mandatory insurance requirements. However, given Alaska's harsh weather conditions and limited road infrastructure in many areas, golf cart use on public roads is relatively uncommon compared to warmer states.
Alaska-Specific Notes
- High Minimums: Alaska's 50/100/25 minimum liability requirements are among the highest in the nation, making insurance slightly more expensive.
- Limited Season: Golf cart use in Alaska is largely seasonal due to harsh winters, which can reduce annual premiums for seasonal policies.
- Remote Communities: Some remote Alaskan communities allow LSVs on roads up to 45 mph by local ordinance, but insurance is still required.
- Military Discounts: USAA is a popular option for Alaska's large military population and offers competitive golf cart/LSV rates.
- Proof of Insurance: Alaska requires proof of insurance to register any motor vehicle, including LSVs.
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Frequently Asked Questions
Common questions about golf cart insurance in Alaska.
Do I need insurance for my golf cart in Alaska?
Yes, if your golf cart is registered as a low-speed vehicle (LSV) for use on public roads. Alaska requires all motor vehicles to carry liability insurance, and LSVs are classified as motor vehicles. You need at least 50/100/25 liability coverage, which is higher than most states. Off-road or private property use does not require insurance by law.
How much does golf cart insurance cost in Alaska?
Golf cart insurance in Alaska typically costs between $125 and $300 per year for basic liability coverage. Alaska has higher minimum liability requirements (50/100/25) than most states, which can increase premiums. Seasonal use may help lower costs if your insurer offers seasonal policies. Full coverage with comprehensive and collision can run $350-$550 annually.
What does golf cart insurance cover in Alaska?
Golf cart insurance in Alaska provides bodily injury liability, property damage liability, and can include optional coverages like comprehensive (for theft, weather, and vandalism), collision, uninsured/underinsured motorist, and medical payments. Given Alaska extreme weather, comprehensive coverage is particularly recommended to protect against damage from storms, ice, and wildlife.
Can I get seasonal golf cart insurance in Alaska?
Some insurance carriers offer seasonal or lay-up policies for golf carts in Alaska, recognizing that most owners only use their carts during warmer months (May through September). A seasonal policy can reduce your annual premium. Contact your insurer about options for suspending coverage during winter months while still maintaining comprehensive protection against theft or storage damage.
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