Colorado Golf Cart Insurance (2026)

Colorado requires insurance for all motor vehicles operated on public roads, including low-speed vehicles (LSVs). If your golf cart is registered as an LSV, you must carry at least the state minimum liability coverage of 25/50/15 before driving on public streets.

Colorado categorizes street-legal carts as "low-speed electric vehicles" (LSEVs) under CRS 42-4-109.5. Standard golf carts (under 20 mph) cannot be titled or registered with the Colorado DMV. LSEVs that meet federal safety standards (49 CFR 571.500) can be registered as Tax Class C vehicles and driven on roads with speed limits of 35 mph or below. The registration process requires proof of insurance, so you cannot register your LSEV without first obtaining a policy.

Golf cart use in Colorado is common in resort communities, mountain towns, and planned developments. The state's varied terrain and altitude present unique considerations for golf cart owners, as battery performance can be affected by cold temperatures and elevation. Most Colorado golf cart owners use their vehicles seasonally, which may allow for reduced insurance costs during winter months.

• LSEV Classification: Colorado uses the term "low-speed electric vehicle" (LSEV), not LSV. Golf carts (under 20 mph) cannot be registered with the DMV; only LSEVs (20-25 mph) meeting federal safety standards can be titled and registered.
• Seasonal Use: Many Colorado golf cart owners only drive during warmer months (May-October), making seasonal insurance options potentially cost-effective.
• Mountain Communities: Resort towns like Breckenridge, Vail, and Steamboat Springs may have local ordinances regarding golf cart use on municipal roads.
• American Family Insurance: This regional carrier is well-established in Colorado and offers competitive recreational vehicle policies.
• Altitude Considerations: Electric golf cart range decreases at higher altitudes; this does not affect insurance but is worth noting for coverage territory discussions.