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 as motorcycles under KRS 304.39-110. Standard golf carts are governed separately under KRS 189.286 — they are not considered motor vehicles but must carry insurance when operating on public roadways under a local ordinance.

Notably, PIP (Personal Injury Protection) is NOT mandatory for either golf carts or LSVs in Kentucky. LSVs are insured as motorcycles (PIP exempt), and golf carts are not classified as motor vehicles. Kentucky's choice no-fault PIP system applies only to standard motor vehicles.

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 Not Required: LSVs are insured as motorcycles (PIP exempt). Golf carts are not motor vehicles (PIP likely inapplicable). The choice no-fault PIP election does not apply to either vehicle type.
• 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.