Illinois Golf Cart Insurance (2026)

Illinois requires liability insurance for all motor vehicles operated on public roads, including low-speed vehicles (LSVs). The state minimum liability coverage is 25/50/20. Proof of insurance must be provided at the time of vehicle registration and must be maintained continuously.

Golf cart use is popular in many Illinois communities, particularly in smaller towns, lake communities, and suburban developments. Several Illinois municipalities have passed ordinances specifically allowing golf carts on local streets under certain conditions. When these local ordinances are in effect, insurance requirements apply to any cart driven on public roads.

Illinois insurance costs vary significantly by location. The Chicago metropolitan area has substantially higher rates than downstate Illinois. Golf cart owners in rural communities and small towns will generally find more affordable coverage. State Farm, headquartered in Bloomington, Illinois, and Country Financial are major carriers with strong presence in the state.

• State Farm Headquarters: State Farm is based in Bloomington, IL, and is one of the most accessible carriers for golf cart/LSV insurance in the state.
• Country Financial: A major Illinois-based insurer popular in rural areas that offers recreational vehicle coverage.
• Chicago Metro vs. Downstate: Insurance rates in the Chicago area are significantly higher than in downstate communities where golf carts are more commonly used.
• Uninsured Motorist Required: Illinois requires uninsured motorist coverage on all auto policies unless specifically rejected in writing.
• Lake Communities: Communities around Lake Springfield, Lake Shelbyville, and Chain O'Lakes are popular golf cart areas.
• Municipal Ordinances: Many small Illinois towns (like golf cart-friendly communities in southern Illinois) have specific ordinances permitting cart use on local streets.