Maine Golf Cart Insurance (2026)
Golf cart insurance requirements in Maine, including $50,000/$100,000/$25,000 minimum liability and $110–$275/year average cost.
Key Facts
Maine Golf Cart Insurance Map
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Overview
Maine requires liability insurance for all motor vehicles operated on public roads, including low-speed vehicles (LSVs). The state has relatively high minimum liability requirements of 50/100/25, reflecting its commitment to ensuring adequate coverage for all motorists.
Golf cart use in Maine is primarily seasonal, concentrated in the warmer months from May through October. Coastal communities, lake regions, and resort areas are the primary locations for golf cart use. Maine's rural character and relatively low population density help keep insurance rates moderate despite the higher minimum liability requirements.
Maine's insurance market includes both national carriers and regional companies like MMG Insurance, providing golf cart owners with competitive options. The seasonal nature of golf cart use in Maine may allow owners to take advantage of seasonal policies or lay-up provisions that reduce costs during winter months.
Maine-Specific Notes
- High Minimums: Maine's 50/100/25 minimum liability requirements are among the highest in the nation, but premiums remain moderate due to low population density.
- Seasonal Use: Golf cart use in Maine is primarily from May to October; seasonal insurance options may be available.
- Coastal Communities: Old Orchard Beach, Kennebunkport, Bar Harbor, and various island communities see seasonal golf cart use.
- MMG Insurance: A Maine-based regional carrier that offers competitive recreational vehicle coverage.
- Winter Storage: Comprehensive coverage during winter storage months can protect against damage from snow, ice, and rodents.
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Frequently Asked Questions
Common questions about golf cart insurance in Maine.
Do I need insurance for my golf cart in Maine?
Yes, if your golf cart is registered as an LSV for use on public roads. Maine requires liability insurance with minimums of 50/100/25 for all registered motor vehicles. These are among the highest minimums in the country. Golf carts used only on private property are not subject to state insurance requirements.
How much does golf cart insurance cost in Maine?
Golf cart insurance in Maine typically costs between $110 and $275 per year for basic liability coverage. Despite Maine higher minimum requirements, the state low population density helps keep rates moderate. Full coverage may run $250-$450 annually. Seasonal policies may offer savings for summer-only use.
What does golf cart insurance cover in Maine?
Golf cart insurance in Maine covers bodily injury liability, property damage liability, and optional coverages like comprehensive (theft, storm damage, winter storage damage), collision, medical payments, and uninsured motorist coverage. Comprehensive coverage is valuable for protecting stored carts during Maine harsh winters.
Can I get seasonal golf cart insurance in Maine?
Many insurers in Maine offer seasonal or lay-up policies for golf carts that are only used during warmer months. A seasonal policy provides full coverage during your use period and reduced coverage (typically comprehensive only) during storage months. This can significantly reduce your annual premium while still protecting your cart year-round.
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