Mississippi Golf Cart Insurance (2026)

Mississippi requires proof of financial responsibility (insurance) for both golf carts and LSVs operated on public roads under a municipal or county ordinance. As of January 1, 2025, the state minimum liability coverage is 40/80/40 (increased from 25/50/25). Mississippi Code § 63-32-3 and § 63-32-5 apply the same insurance requirement to both golf carts and LSVs identically — insurance is required when operating under a local ordinance, not just for LSVs.

Golf cart use is popular in many Mississippi communities, particularly in coastal areas along the Gulf Coast (Biloxi, Ocean Springs, Bay St. Louis), retirement communities, and small towns throughout the state. Mississippi's warm climate allows for year-round golf cart use, and many municipalities have adopted ordinances under the 2021 state law (SB 2605) permitting golf carts on local streets. A 2025 law (HB 265) expanded this to allow county boards of supervisors to authorize golf cart operation in unincorporated areas.

Mississippi has moderate-to-affordable insurance costs, and golf cart coverage is generally budget-friendly. The Mississippi Farm Bureau is a major regional insurer with competitive rates for recreational vehicles. However, Gulf Coast residents should be aware that comprehensive coverage is important for protection against hurricane and tropical storm damage.

• Local Ordinance Required: Golf carts and LSVs can only operate on public roads where a municipality or county has adopted an authorizing ordinance under Miss. Code § 63-32-3. Insurance is required as a condition of that local registration.
• 2025 Minimum Increase: As of January 1, 2025, Mississippi's minimum liability increased from 25/50/25 to 40/80/40.
• Gulf Coast Communities: Biloxi, Ocean Springs, Bay St. Louis, Diamondhead, and Pass Christian are popular golf cart areas with active ordinances.
• Mississippi Farm Bureau: A major insurer in the state offering competitive rates for specialty vehicles.
• County Authority (2025): HB 265 expanded golf cart authorization to county boards of supervisors for unincorporated areas.
• Hurricane Risk: Gulf Coast golf cart owners should carry comprehensive coverage for wind damage protection. Flood damage may require separate coverage.