Michigan Golf Cart Insurance (2026)
Golf cart insurance requirements in Michigan, including $50,000/$100,000/$10,000 minimum liability and $200–$600/year average cost.
Key Facts
Michigan Golf Cart Insurance Map
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Overview
Michigan explicitly distinguishes between golf carts and low-speed vehicles (LSVs) for insurance purposes. Under MCL 257.657a, standard golf carts operated on local streets under a municipal resolution are excluded from the definition of "motor vehicle" under Michigan's no-fault insurance law (MCL 500.3101) — meaning state law does not require insurance for golf carts. LSVs, however, must be registered with the Secretary of State and carry full no-fault insurance. Michigan's default bodily injury minimums are 250/500 (the highest in the nation), though drivers can opt down to a floor of 50/100 by signing a form. Mandatory PIP coverage adds to the cost.
Golf carts are popular in Michigan's many lake communities, resort areas, and retirement developments, particularly in the northern Lower Peninsula and along the Lake Michigan shoreline. Communities like Traverse City, Petoskey, Holland, and South Haven have active golf cart cultures. Individual municipalities may require insurance through local ordinances even for standard golf carts.
Michigan's 2019 auto insurance reform (PA 21) replaced mandatory unlimited PIP with a tiered system, allowing LSV owners to choose from coverage levels ($50K, $250K, $500K, or unlimited) or opt out with qualifying health insurance. This reform significantly reduced costs for LSV insurance policies.
Michigan-Specific Notes
- Golf Carts Exempt: Standard golf carts on public streets (under municipal resolution) are explicitly exempt from Michigan's no-fault insurance requirement per MCL 257.657a.
- Highest Default BI Minimums: Michigan's default bodily injury minimums are 250/500 (highest in the nation), though drivers can opt down to a floor of 50/100.
- No-Fault PIP State: Michigan's no-fault system historically required unlimited PIP, but 2019 reforms now allow choice of coverage levels ($50K, $250K, $500K, unlimited).
- Most Expensive State: Michigan consistently ranks as the most expensive state for auto insurance, which directly affects golf cart/LSV policies.
- Lake Communities: Traverse City, Petoskey, Holland, South Haven, and many other lake/resort communities are popular golf cart areas.
- Auto-Owners Insurance: A major Michigan-based carrier that offers competitive recreational vehicle policies.
- PIP Reform: The 2019 reform allowing PIP coverage choices can significantly reduce golf cart insurance premiums compared to pre-reform costs.
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Frequently Asked Questions
Common questions about golf cart insurance in Michigan.
Do I need insurance for my golf cart in Michigan?
It depends on the vehicle type. Standard golf carts operated on local streets under a municipal resolution are explicitly exempt from Michigan no-fault insurance requirements per MCL 257.657a. However, LSVs (registered as motor vehicles with the Secretary of State) must carry full no-fault insurance including bodily injury liability (default 250/500, minimum floor 50/100) and PIP coverage. Some municipalities may require insurance for golf carts by local ordinance. Insurance is always recommended regardless of legal requirements.
How much does golf cart insurance cost in Michigan?
Golf cart insurance in Michigan typically costs between $200 and $600 per year, making it the most expensive state for golf cart coverage. The high cost is driven by Michigan high liability minimums (50/100) and mandatory PIP coverage. Choosing a lower PIP level under the 2019 reform can help reduce costs. Full coverage may run $450-$800+ annually.
What does golf cart insurance cover in Michigan?
Golf cart insurance in Michigan covers bodily injury liability (50/100 minimum), property damage liability, PIP (Personal Injury Protection) at your chosen level, and optional coverages like comprehensive, collision, and uninsured motorist. Michigan unique no-fault system means your PIP covers your own medical expenses regardless of who caused the accident.
Can I choose my PIP coverage level for golf cart insurance in Michigan?
Yes, since the 2019 Michigan auto insurance reform, you can choose from several PIP coverage levels: $50,000, $250,000, $500,000, or unlimited. You may also opt out of PIP if you have qualifying health insurance. Choosing a lower PIP level can significantly reduce your golf cart insurance premium. Discuss the options with your insurance agent to find the right balance of coverage and cost.
Why is golf cart insurance so expensive in Michigan?
Michigan has the highest auto insurance costs in the nation for several reasons: the state requires high bodily injury minimums (50/100), mandatory PIP coverage (even with reform options), and historically high claim costs. These factors apply to all registered motor vehicles, including golf carts and LSVs. Shopping around and choosing lower PIP levels can help manage costs.
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