Connecticut Golf Cart Insurance (2026)

Connecticut requires liability insurance for all motor vehicles registered in the state, including 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.

Golf cart use on public roads in Connecticut is less common than in southern states, but LSVs are permitted on roads with appropriate speed limits. Connecticut's insurance market is well-developed, with several major insurers headquartered in the state, including Travelers and The Hartford, making it relatively easy to find coverage for LSVs.

Connecticut tends to have higher-than-average insurance costs due to its dense population, high cost of living, and urban traffic patterns. Golf cart owners should expect to pay slightly more than the national average for coverage, especially in the more congested areas of Fairfield County and the Hartford metro area.

• Insurance Capital: Connecticut is home to major insurance companies (Travelers, The Hartford), which can make finding specialized LSV coverage easier.
• Higher Premiums: Connecticut's overall auto insurance costs are above the national average, which affects golf cart/LSV insurance rates.
• Uninsured Motorist Required: Connecticut requires uninsured/underinsured motorist coverage on all auto policies, which also applies to LSV policies.
• Shoreline Communities: Some coastal Connecticut communities (like Madison, Guilford, and Old Saybrook) see seasonal golf cart use in beach areas.
• Registration Process: Connecticut DMV requires proof of insurance before issuing registration for any motor vehicle, including LSVs.