Florida Golf Cart Insurance (2026)
Golf cart insurance requirements in Florida, including $10,000/$20,000/$10,000 minimum liability and $125–$375/year average cost.
Key Facts
Florida Golf Cart Insurance Map
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Overview
Florida has unique golf cart insurance rules due to its distinction between "golf carts" and "low-speed vehicles (LSVs)." Florida is one of the few states that explicitly allows standard golf carts (not just LSVs) on certain public roads under specific conditions. If a golf cart operates only on designated roads with speed limits of 30 mph or less within a golf cart-friendly community, registration and insurance may not be required. However, LSVs that operate on public roads with speed limits up to 35 mph must be registered, titled, and insured.
Florida is a PIP (Personal Injury Protection) state, meaning it operates under a no-fault insurance system. The minimum liability coverage is 10/20/10, along with $10,000 in PIP coverage. When an LSV is registered, PIP and property damage liability are required at minimum. Florida's overall auto insurance costs are among the highest in the nation due to factors like high population density, frequent accidents, and weather risks.
The state is arguably the golf cart capital of the United States, with communities like The Villages, a massive retirement community with over 100,000 residents that relies heavily on golf cart transportation. Other popular golf cart communities include Peachtree City-style developments, various beach towns, and many 55+ communities throughout the state.
Florida-Specific Notes
- Golf Cart vs. LSV Distinction: Florida law distinguishes between golf carts (limited to 20 mph) and LSVs (20-25 mph). Golf carts on designated roads may not need registration or insurance; LSVs always need both.
- The Villages: The largest golf cart community in the world, with over 100 miles of golf cart paths and tens of thousands of registered carts. Insurance is highly recommended even for carts that technically may not require it.
- PIP State: Florida requires Personal Injury Protection coverage, which adds to the base cost of any auto/LSV policy.
- Hurricane Risk: Comprehensive coverage is strongly recommended in Florida to protect against hurricane and tropical storm damage.
- High Insurance Costs: Florida has some of the highest auto insurance rates in the nation, which affects golf cart/LSV insurance costs.
- Local Ordinances: Many Florida cities and counties have specific golf cart ordinances; check your municipality's rules.
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Frequently Asked Questions
Common questions about golf cart insurance in Florida.
Do I need insurance for my golf cart in Florida?
It depends on the classification. If your golf cart is a standard golf cart (max 20 mph) operating only on designated golf cart roads in your community, insurance may not be legally required. However, if your cart is classified as a low-speed vehicle (LSV) and registered for use on public roads, you must carry PIP and property damage liability at minimum (10/20/10). Insurance is strongly recommended for all golf carts in Florida regardless of legal requirements.
How much does golf cart insurance cost in Florida?
Golf cart insurance in Florida typically costs between $125 and $375 per year for basic coverage. Florida has higher insurance costs than most states due to its no-fault insurance system, high traffic, and weather risks. Full coverage including comprehensive (important for hurricane protection) can run $300-$600 annually. The Villages and other high-cart-density areas may have specialized group rates.
What does golf cart insurance cover in Florida?
Golf cart insurance in Florida covers PIP (Personal Injury Protection), property damage liability, bodily injury liability, and optional coverages like comprehensive (critical for hurricane and flood protection), collision, and uninsured motorist. Florida is a no-fault PIP state, so your own PIP coverage pays for your medical bills regardless of who caused the accident.
Do I need insurance for a golf cart in The Villages?
While golf carts operating exclusively on The Villages internal cart paths and designated cart roads may not legally require insurance, it is strongly recommended. With thousands of carts on the roads daily, accidents do occur. Most Villages residents carry at least basic liability coverage, and comprehensive coverage is popular for protecting expensive customized carts. Many insurance agents in The Villages area specialize in golf cart policies.
What is the difference between golf cart and LSV insurance in Florida?
In Florida, a golf cart (max 20 mph, used on designated roads) may not require registration or insurance, though coverage is recommended. An LSV (20-25 mph, used on roads with speed limits up to 35 mph) must be registered, titled, and insured with at least PIP and property damage liability. LSV insurance is essentially the same as auto insurance and costs more due to the additional PIP requirement.
Related Resources
View golf cart insurance requirements for all 50 states on our interactive map.
Street-legal requirements, speed limits, and regulations in Florida.
Complete 2026 pricing guide for new, used, electric, and gas golf carts.
Find top-rated golf cart dealers and services in Florida.
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