Massachusetts Golf Cart Insurance (2026)

Massachusetts requires insurance for all motor vehicles registered in the state, including low-speed vehicles (LSVs). The state has a unique auto insurance system with minimum liability of 25/50/30 and mandatory PIP coverage. Massachusetts is a PIP (no-fault) state, and the PIP requirement applies to LSV policies.

Massachusetts has some of the most comprehensive mandatory insurance requirements in the nation. In addition to liability and PIP, the state requires uninsured motorist coverage and has specific requirements for medical payments. This extensive mandatory coverage can make golf cart insurance more expensive than in simpler regulatory environments.

Golf cart use in Massachusetts is most common on Cape Cod, Martha's Vineyard, Nantucket, and in various lake and resort communities. The state's seasonal climate means most golf cart use occurs between May and October. Massachusetts insurance market is competitive but tends toward higher premiums due to the extensive coverage requirements and high cost of living.

• PIP State: Massachusetts requires Personal Injury Protection on all auto policies, including LSV policies, with a minimum of $8,000 in coverage.
• Extensive Mandatory Coverage: Massachusetts requires liability, PIP, and uninsured motorist coverage at minimum, making it one of the most comprehensive states for required coverage.
• Cape Cod and Islands: Martha's Vineyard, Nantucket, and Cape Cod communities are popular golf cart destinations with local regulations.
• High Insurance Costs: Massachusetts auto insurance costs are above the national average due to extensive mandatory coverages and high cost of living.
• Arbella and Safety Insurance: Regional carriers well-known in Massachusetts that may offer competitive LSV policies.
• 2025 Property Damage Increase: Massachusetts raised its property damage minimum from $5,000 to $30,000 effective July 1, 2025 (Acts of 2024, Ch. 275) — one of the largest increases in the nation.