Maryland Golf Cart Insurance (2026)

Maryland requires liability insurance for all motor vehicles operated on public roads, including low-speed vehicles (LSVs). The state minimum liability coverage is 30/60/15, which is higher than many states for bodily injury but moderate for property damage.

Golf carts are used in various Maryland communities, particularly in Ocean City and other Eastern Shore beach towns, as well as in planned communities throughout the state. Maryland's mix of dense urban areas (Baltimore, suburban DC) and rural/beach communities means insurance costs vary significantly by location.

GEICO, one of the largest auto insurers in the nation, is headquartered in the Maryland/DC area, making it a particularly accessible option for Maryland golf cart owners. The state also has a strong presence from Erie Insurance and other regional carriers. Maryland requires that proof of insurance be maintained at all times, and the MVA can suspend registration for lapses in coverage.

• GEICO Headquarters: GEICO is based in the Maryland/DC area and is one of the most accessible carriers for golf cart insurance in the state.
• Ocean City: Maryland's most popular beach destination has a significant golf cart culture, with local ordinances governing cart use on certain streets.
• PIP Optional: Maryland offers optional PIP coverage; it is not mandatory but can be added to golf cart policies.
• Eastern Shore: Many Eastern Shore communities beyond Ocean City also see growing golf cart usage, including St. Michaels and Easton.
• Registration Suspension: Maryland MVA can suspend your vehicle registration if your insurance lapses, which applies to LSVs as well.