Louisiana Golf Cart Insurance (2026)
Golf cart insurance requirements in Louisiana, including $15,000/$30,000/$25,000 minimum liability and $140–$375/year average cost.
Key Facts
Louisiana Golf Cart Insurance Map
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Overview
Louisiana requires liability insurance for all motor vehicles operated on public roads, including golf carts registered as low-speed vehicles (LSVs). The state minimum liability coverage is 15/30/25. Louisiana has some of the highest auto insurance rates in the nation due to frequent severe weather, high litigation rates, and other factors.
Golf carts are popular in Louisiana's coastal communities, retirement developments, and many smaller towns. The state's warm climate allows year-round use, and many communities, particularly in southern Louisiana, have embraced golf cart culture. Local ordinances in various parishes and municipalities permit golf carts on certain streets.
Louisiana's high insurance costs affect golf cart owners as well. The combination of hurricane risk, flooding, high accident rates, and a litigious legal environment drives up premiums. Comprehensive coverage is particularly important in Louisiana to protect against hurricane and flood damage, though standard auto policies typically do not cover flood damage without a separate flood policy.
Louisiana-Specific Notes
- High Insurance Costs: Louisiana has some of the highest auto insurance rates in the nation, which affects golf cart/LSV premiums.
- Hurricane Risk: Comprehensive coverage is essential in Louisiana to protect against hurricane wind damage. Note that flood damage typically requires a separate policy.
- Coastal Communities: Grand Isle, Cameron Parish, and various communities along the Gulf Coast have popular golf cart cultures.
- Louisiana Farm Bureau: A significant insurer in rural Louisiana with recreational vehicle coverage options.
- Litigation Environment: Louisiana's high lawsuit rates contribute to elevated insurance costs across all vehicle types.
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Frequently Asked Questions
Common questions about golf cart insurance in Louisiana.
Do I need insurance for my golf cart in Louisiana?
Yes, if your golf cart is registered as an LSV for use on public roads. Louisiana requires liability insurance with minimums of 15/30/25 for all registered motor vehicles. Golf carts used only on private property or golf courses are not required to carry insurance by state law, though coverage is recommended.
How much does golf cart insurance cost in Louisiana?
Golf cart insurance in Louisiana typically costs between $140 and $375 per year for basic liability coverage. Louisiana has some of the highest auto insurance rates in the country, which affects golf cart premiums. Full coverage with comprehensive (important for hurricane protection) can run $325-$575 annually.
What does golf cart insurance cover in Louisiana?
Golf cart insurance in Louisiana covers bodily injury liability, property damage liability, and optional coverages like comprehensive (wind, theft, vandalism), collision, medical payments, and uninsured motorist coverage. Note that standard comprehensive coverage typically does not include flood damage; a separate flood insurance policy may be needed if your golf cart is at risk of flooding.
Does golf cart insurance cover hurricane damage in Louisiana?
Comprehensive coverage on your golf cart policy covers wind damage from hurricanes and tropical storms. However, flood damage is typically excluded from standard auto/comprehensive policies. If your golf cart is stored in a flood-prone area, you may need separate flood coverage. Always review your policy carefully and discuss hurricane-specific coverage with your agent.
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