Kentucky Golf Cart Insurance (2026)

Kentucky requires 25/50/25 liability insurance for both LSVs and golf carts when operated on public roads. LSVs must be titled, registered, and insured for road use. Standard golf carts are governed separately under KRS 189.286: they are not treated the same as regular motor vehicles, but they must carry insurance when operating on public roadways under a local ordinance.

Kentucky's no-fault and basic reparations rules are more nuanced than the liability minimum. LSVs should not be described as motorcycles for insurance purposes. For locally permitted golf carts, KRS 189.286 points to insurance under KRS 304.39-080, so the policy should be confirmed with the insurer issuing the required coverage.

Golf carts are used in various Kentucky communities, from lake areas and resort towns to smaller cities and suburban neighborhoods. Kentucky Farm Bureau is one of the most prominent insurance carriers in the state and offers competitive rates for recreational and specialty vehicles.

• Dual Framework: Kentucky has separate statutes for golf carts (KRS 189.286) and LSVs (KRS 189.282). Golf carts are not motor vehicles but still require insurance on public roads.
• PIP Treatment: LSVs should not be treated as motorcycles in the page copy. Golf carts operating under KRS 189.286 must carry the insurance required by that statute, and the exact basic reparations/PIP treatment should be confirmed on the policy.
• Local Ordinance Required: Golf carts can only operate on public roads where a city or county has adopted an ordinance. Roads must be 35 mph or less.
• Kentucky Farm Bureau: The dominant insurer in rural Kentucky with competitive rates for all vehicle types including golf carts.
• Lake Communities: Lake Cumberland, Kentucky Lake, and Dale Hollow Lake areas have growing golf cart usage.
• Sheriff Inspection: Golf carts must pass a sheriff's department inspection and receive a local permit before road use.