Arizona Golf Cart Insurance (2026)

Arizona requires insurance for any motor vehicle driven on public roads, including golf carts registered as low-speed vehicles (LSVs) or neighborhood electric vehicles (NEVs). The state minimum liability coverage is 25/50/15, which must be maintained as long as the vehicle is registered.

Golf carts are extremely popular in Arizona's many retirement and planned communities such as Sun City, Sun City West, and PebbleCreek. When these carts venture onto public roads, they must be registered and insured. Many community residents carry insurance even for carts used only within private community roads, as HOAs often require it.

Arizona's warm climate means golf carts can be used year-round, making insurance a continuous need rather than seasonal. The state's relatively low minimum liability requirements keep basic coverage affordable, though owners in high-traffic areas around Phoenix and Scottsdale may want higher limits.

• Retirement Communities: Sun City, PebbleCreek, and similar communities have high golf cart usage; many HOAs require proof of insurance for carts used on community roads.
• Year-Round Use: Arizona's warm climate means no seasonal break in coverage is needed, but it also means year-round exposure to risk.
• Low Property Damage Minimum: Arizona's $15,000 property damage minimum is relatively low; consider higher limits to protect against claims involving newer vehicles.
• Uninsured Motorist Coverage: Arizona does not require uninsured motorist coverage, but it is highly recommended for golf cart owners given the vulnerability of LSVs.
• Alternative Fuel Sticker: Electric golf carts may need an alternative fuel vehicle sticker from the MVD, but this does not affect insurance requirements.