Indiana Golf Cart Insurance (2026)
Golf cart insurance requirements in Indiana, including $25,000/$50,000/$25,000 minimum liability and $95–$265/year average cost.
Key Facts
Indiana Golf Cart Insurance Map
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Overview
Indiana requires liability insurance for LSVs registered with the state (25/50/25 minimum). Standard golf carts are not subject to a state-level insurance mandate — their road access depends entirely on local municipal ordinances, and any insurance requirement comes from the ordinance, not state law.
Golf carts are increasingly popular in Indiana's smaller towns, lake communities, and residential developments. Indiana law allows municipalities to pass ordinances permitting golf cart operation on local streets, and many communities across the state have done so. When operating under these local ordinances, the municipality may require insurance as a condition of the local permit.
Indiana has moderate insurance costs compared to the national average, making golf cart insurance quite affordable. The state has a strong presence from regional carriers like Indiana Farm Bureau and Erie Insurance, in addition to the major national carriers, providing golf cart owners with competitive options.
Indiana-Specific Notes
- Indiana Farm Bureau: A popular regional insurer that offers competitive rates for recreational vehicles in rural Indiana.
- Lake Communities: Lake communities around Lake Wawasee, Lake James, and Indiana's other recreational lakes are popular golf cart areas.
- Municipal Ordinances: Many Indiana towns have passed ordinances allowing golf carts on streets with speed limits of 35 mph or below.
- Erie Insurance: Available in Indiana and known for competitive rates on specialty vehicle coverage.
- Moderate Costs: Indiana has below-average auto insurance rates, making golf cart coverage quite affordable.
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Frequently Asked Questions
Common questions about golf cart insurance in Indiana.
Do I need insurance for my golf cart in Indiana?
It depends. LSVs registered with the state must carry 25/50/25 liability insurance. Standard golf carts are not subject to a state insurance mandate — they can only operate on public roads where a municipality has passed an authorizing ordinance, and any insurance requirement comes from that local ordinance. Private property use does not require insurance by state law.
How much does golf cart insurance cost in Indiana?
Golf cart insurance in Indiana typically costs between $95 and $265 per year for basic liability coverage. Indiana has moderate insurance costs, making golf cart coverage quite affordable. Full coverage with comprehensive and collision may run $225-$425 annually.
What does golf cart insurance cover in Indiana?
Golf cart insurance in Indiana covers bodily injury liability, property damage liability, and optional coverages including comprehensive (theft, storm damage, hail), collision, medical payments, and uninsured motorist coverage. Comprehensive coverage is worth considering in Indiana due to severe weather risks including tornadoes and hailstorms.
Can I add my golf cart to my homeowners insurance in Indiana?
Some homeowners policies in Indiana provide limited coverage for golf carts used on your own property, but this typically does not extend to street use. For a golf cart driven on public roads, you need a separate auto or specialty vehicle insurance policy. Contact your homeowners insurer to understand what, if any, golf cart coverage your existing policy provides.
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