Idaho Golf Cart Insurance (2026)

Idaho requires liability insurance for all motor vehicles operated on public roads, and this includes low-speed vehicles (LSVs). The state minimum liability coverage is 25/50/15. Any golf cart registered as an LSV must carry at least this minimum coverage.

Golf cart use in Idaho is growing, particularly in resort communities like Sun Valley, McCall, and various lakeside developments. The state's rural character and relatively low population density contribute to affordable insurance rates, making Idaho one of the more budget-friendly states for golf cart insurance.

Idaho has straightforward vehicle registration requirements, and the process for registering an LSV is similar to registering a standard vehicle. Proof of insurance is required at the time of registration. The state does not have any special golf cart-specific insurance provisions, treating LSVs the same as other motor vehicles for insurance purposes.

• Affordable Rates: Idaho has some of the lowest auto insurance rates in the nation, which extends to golf cart/LSV coverage.
• Idaho Farm Bureau: A major regional insurer that offers competitive rates for rural Idaho residents with recreational vehicles.
• Resort Communities: Sun Valley, McCall, and Coeur d'Alene area communities see growing golf cart use in summer months.
• Seasonal Use: Like other northern states, golf cart use in Idaho is primarily seasonal (May-October), which may allow for seasonal insurance options.
• Rural Roads: Much of Idaho is rural, and local sheriff enforcement of golf cart regulations may be more relaxed in unincorporated areas, but insurance is still legally required for registered LSVs.