Montana Golf Cart Insurance (2026)
Golf cart insurance requirements in Montana, including $25,000/$50,000/$20,000 minimum liability and $85–$225/year average cost.
Key Facts
Montana Golf Cart Insurance Map
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Overview
Montana requires liability insurance for all motor vehicles operated on public roads, including low-speed vehicles (LSVs). The state minimum liability coverage is 25/50/20. Montana's low population density and rural character contribute to some of the most affordable auto insurance rates in the country.
Golf cart use in Montana is limited compared to warmer states, primarily concentrated in resort communities and lake areas during summer months. Communities near Flathead Lake, Whitefish, Big Sky, and various other recreational areas see some golf cart traffic. The short driving season (typically May through September) means golf cart insurance may be cost-effective with seasonal policies.
Montana has no state sales tax, which can make purchasing a golf cart more affordable, though this does not directly affect insurance costs. The state's insurance market includes Mountain West Farm Bureau as a prominent regional option alongside national carriers.
Montana-Specific Notes
- Low Insurance Costs: Montana has some of the most affordable auto insurance rates in the nation due to low population density.
- Mountain West Farm Bureau: A regional carrier with strong presence in Montana offering competitive recreational vehicle coverage.
- Short Season: Golf cart use in Montana is primarily from May to September; seasonal policies are recommended.
- No Sales Tax: Montana has no state sales tax, making golf cart purchases more affordable (though insurance costs are unaffected).
- Resort Communities: Big Sky, Whitefish, and Flathead Lake communities see limited golf cart use during summer months.
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Frequently Asked Questions
Common questions about golf cart insurance in Montana.
Do I need insurance for my golf cart in Montana?
Yes, if your golf cart is registered as an LSV for use on public roads. Montana requires liability insurance with minimums of 25/50/20 for all registered motor vehicles. Golf carts used only on private ranches, farms, or resort property do not require insurance by state law.
How much does golf cart insurance cost in Montana?
Golf cart insurance in Montana typically costs between $85 and $225 per year for basic liability coverage. Montana is one of the most affordable states for auto insurance. Full coverage may run $200-$375 annually. Seasonal policies may further reduce costs.
What does golf cart insurance cover in Montana?
Golf cart insurance in Montana covers bodily injury liability, property damage liability, and optional coverages like comprehensive (wildfire, hail, wildlife damage, winter storage), collision, medical payments, and uninsured motorist coverage. Comprehensive coverage is recommended in Montana due to wildfire risk, severe winter weather, and potential wildlife encounters.
Can I get seasonal golf cart insurance in Montana?
Yes, many insurers offer seasonal or lay-up policies in Montana, which is ideal given the short golf cart season. You can maintain full coverage from May to September and switch to comprehensive-only coverage during winter storage months. This protects against theft and weather damage year-round while reducing your premium during months the cart is not in use.
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