Arkansas Golf Cart Insurance (2026)
Golf cart insurance requirements in Arkansas, including $25,000/$50,000/$25,000 minimum liability and $90–$250/year average cost.
Key Facts
Arkansas Golf Cart Insurance Map
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Overview
Arkansas requires liability insurance for motor vehicles on public roads, and this extends to golf carts and LSVs operated under local ordinances that permit street use. The state minimum liability coverage is 25/50/25, which must be carried if your golf cart is registered and driven on public streets.
Golf cart street legality in Arkansas depends on local municipal ordinances. Cities like Hot Springs Village, Bella Vista, and various lake communities have passed ordinances allowing golf cart use on certain roads. When a city permits golf carts on its streets, the vehicles generally must meet certain equipment standards and the operator must have insurance.
For golf carts used exclusively on private property, golf courses, or within gated communities, insurance is not legally mandated by the state. However, many Arkansas golf cart owners carry at least basic coverage for protection against theft and liability.
Arkansas-Specific Notes
- Local Ordinance Dependent: Insurance requirements effectively kick in when a municipality allows golf carts on public roads and the cart must be registered.
- Hot Springs Village: One of the largest gated communities in the US, where golf carts are very common; the community and city have specific rules for cart operation.
- Shelter Insurance: This regional carrier based in Columbia, MO is popular in Arkansas and offers competitive golf cart policies.
- Farm Bureau: Arkansas Farm Bureau is a widely used insurer in rural areas and covers recreational vehicles including golf carts.
- Lake Communities: Many lake communities in Arkansas (Beaver Lake, Greers Ferry) have high golf cart usage and local ordinances permitting street use.
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Frequently Asked Questions
Common questions about golf cart insurance in Arkansas.
Do I need insurance for my golf cart in Arkansas?
Yes, if you operate your golf cart on public roads in a municipality that permits it. Arkansas requires liability insurance for all motor vehicles on public roads, with minimums of 25/50/25. If your city has an ordinance allowing golf carts on streets, you must carry insurance. For private property or golf course use only, insurance is not legally required but is recommended.
How much does golf cart insurance cost in Arkansas?
Golf cart insurance in Arkansas typically costs between $90 and $250 per year for basic liability coverage. Arkansas is generally an affordable state for insurance. Full coverage with comprehensive and collision may cost $200-$400 annually depending on the cart value and your location.
What does golf cart insurance cover in Arkansas?
Golf cart insurance in Arkansas covers bodily injury liability, property damage liability, and optional coverages including comprehensive (theft, weather damage, vandalism), collision, medical payments, and uninsured motorist coverage. Comprehensive coverage is recommended in Arkansas due to the risk of storm damage from severe weather and tornadoes.
Do I need insurance for a golf cart in Hot Springs Village?
If you drive your golf cart on public roads within Hot Springs Village or the surrounding area, yes, you need insurance. The community and city have ordinances governing golf cart use, and operating any vehicle on public roads in Arkansas requires liability insurance. Even within the gated community, carrying insurance is strongly recommended for liability protection.
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