Georgia Golf Cart Insurance (2026)
Golf cart insurance requirements in Georgia, including $25,000/$50,000/$25,000 minimum liability and $110–$300/year average cost.
Key Facts
Georgia Golf Cart Insurance Map
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Overview
Georgia has a three-tier vehicle classification system under OCGA 40-6-330: golf carts (under 15 mph), Personal Transportation Vehicles or PTVs (up to 20 mph), and Low-Speed Vehicles or LSVs (20-25 mph). Insurance requirements differ by category. LSVs must be state-registered and titled like regular motor vehicles, triggering the 25/50/25 mandatory liability insurance requirement. PTVs, however, are explicitly exempt from state registration and insurance requirements under OCGA 40-6-331(b) — though individual municipalities may require insurance via local ordinance. Standard golf carts are exempt from state insurance requirements entirely.
Georgia is one of the most golf cart-friendly states in the country. Peachtree City, located south of Atlanta, is famous for its 100+ miles of golf cart paths and is one of the premier golf cart communities in the United States. Most golf carts in Peachtree City are classified as PTVs, which only require a local registration ($45 every 3 years) — proof of insurance is not mandated by the city. However, insurance is strongly recommended given the heavy cart traffic.
Many other Georgia communities, particularly in the coastal and southern regions (Savannah, St. Simons Island, Jekyll Island), also have active golf cart cultures. Some municipalities like Roswell and Covington do require proof of liability insurance as part of their local PTV permitting process.
Georgia-Specific Notes
- Peachtree City: One of the most famous golf cart communities in America, with over 100 miles of cart paths. Insurance is essential for the thousands of carts used daily.
- Personal Transportation Vehicle (PTV): PTVs are exempt from state registration and insurance under OCGA 40-6-331(b). Only local ordinances can impose insurance requirements for PTVs.
- Georgia Farm Bureau: A popular insurer in rural Georgia that offers competitive rates for recreational vehicles including golf carts.
- Coastal Communities: Savannah, St. Simons Island, Jekyll Island, and Tybee Island are popular golf cart communities where insurance is important.
- Local Ordinances: Georgia grants municipalities the power to regulate golf cart use; insurance requirements can vary by city.
- 16-Year-Old Drivers: Georgia allows 16-year-olds with a license to drive golf carts/PTVs on public roads.
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Frequently Asked Questions
Common questions about golf cart insurance in Georgia.
Do I need insurance for my golf cart in Georgia?
It depends on the vehicle type. Georgia has three categories: golf carts, PTVs, and LSVs. LSVs (20-25 mph, state-registered) must carry 25/50/25 liability insurance. PTVs (the most common type for street use) are exempt from state insurance requirements under OCGA 40-6-331(b), though some municipalities require insurance by local ordinance. Standard golf carts used on private property or golf courses do not require insurance. Insurance is always recommended regardless of legal requirements.
How much does golf cart insurance cost in Georgia?
Golf cart insurance in Georgia typically costs between $110 and $300 per year for basic liability coverage. Costs vary based on location (Atlanta metro tends to be higher), usage patterns, and cart value. In communities like Peachtree City where golf cart use is heavy, insurance agents often offer competitive specialized policies. Full coverage may run $250-$475 annually.
What does golf cart insurance cover in Georgia?
Golf cart insurance in Georgia covers bodily injury liability, property damage liability, and optional comprehensive (theft, storm damage, vandalism), collision, medical payments, and uninsured motorist coverage. In Peachtree City and similar communities, comprehensive coverage is popular to protect against theft and damage on busy cart paths.
Do I need insurance for a golf cart in Peachtree City?
If you drive your golf cart on any public road in Peachtree City, yes, you need insurance. Peachtree City has over 100 miles of multi-use paths and thousands of golf carts. While some cart paths are separated from roads, any cart crossing or using public roads must be registered as a PTV and insured. Given the heavy cart traffic, insurance is strongly recommended even for path-only use.
What is the difference between a golf cart and a PTV in Georgia?
In Georgia, a golf cart is designed for use on golf courses and has a maximum speed of 15 mph. A Personal Transportation Vehicle (PTV) is a modified golf cart or LSV capable of 20-25 mph with safety features like headlights, turn signals, and seat belts. PTVs can be registered for street use and must carry insurance. Standard golf carts cannot be registered for public road use.
Related Resources
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