Delaware Golf Cart Insurance (2026)

Delaware requires liability insurance for all motor vehicles on public roads, including golf carts registered as low-speed vehicles (LSVs). The state minimum liability coverage is 25/50/10, and proof of insurance must be provided at the time of registration.

Golf carts are commonly seen in Delaware's beach communities, particularly in towns like Rehoboth Beach, Bethany Beach, Dewey Beach, and Lewes. Many of these communities have embraced golf cart culture, and local ordinances may permit golf cart operation on certain streets. When driven on public roads, these carts must be properly registered and insured.

Delaware is a small state with relatively moderate insurance costs. The proximity of beach communities to each other and the low-speed nature of beach town traffic make golf carts a practical transportation option, but the insurance requirement remains in effect regardless of the community's cart-friendly atmosphere.

• Beach Communities: Rehoboth Beach, Bethany Beach, Dewey Beach, and Lewes are popular LSV destinations. Delaware does not allow traditional golf carts on public roads — only registered LSVs meeting federal safety standards.
• Low Property Damage Minimum: Delaware's $10,000 property damage minimum is relatively low; higher limits are recommended.
• PIP Required: Delaware requires personal injury protection (PIP) at $15,000/$30,000 minimums on all auto policies, including LSVs.
• Seasonal Beach Use: Many Delaware golf cart owners are seasonal users, particularly at beach properties, and may benefit from seasonal policy options.
• GEICO Headquarters: GEICO is based in nearby Maryland/DC and is a major player in the Delaware insurance market with competitive LSV rates.