Minnesota Golf Cart Insurance (2026)

Minnesota requires liability insurance for all motor vehicles operated on public roads, including low-speed vehicles (LSVs). The state minimum liability coverage is 30/60/10. Minnesota is also a no-fault PIP state, requiring personal injury protection coverage on all auto policies, which applies to registered LSVs.

Golf cart use in Minnesota is primarily seasonal, with the main driving season running from May through October. Lake communities throughout the state, particularly in the Brainerd Lakes area, Alexandria, and the many lake regions of central and northern Minnesota, are popular golf cart destinations. The state's "Land of 10,000 Lakes" geography creates numerous small communities where golf carts are a practical and popular form of transportation.

Minnesota's PIP requirement adds to the baseline cost of golf cart insurance, but overall rates remain moderate compared to higher-cost states. The seasonal nature of use in Minnesota may allow for reduced-rate policies during winter months when carts are in storage.

• PIP State: Minnesota requires $40,000 minimum PIP coverage ($20,000 medical + $20,000 non-medical) on all auto policies, including LSV policies.
• Lake Communities: Brainerd Lakes, Alexandria, Detroit Lakes, and many other lake communities are popular golf cart areas.
• Seasonal Use: Golf cart season in Minnesota typically runs May through October; seasonal insurance options may be available.
• No-Fault System: Minnesota's no-fault system means your own PIP covers your medical expenses regardless of fault in an accident.
• Auto-Owners Insurance: A regional carrier with strong presence in Minnesota offering competitive recreational vehicle coverage.