New Jersey Golf Cart Insurance (2026)
Golf cart insurance requirements in New Jersey, including $35,000/$70,000/$25,000 minimum liability and $150–$400/year average cost.
Key Facts
New Jersey Golf Cart Insurance Map
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Overview
New Jersey requires insurance for all motor vehicles registered in the state, including low-speed vehicles (LSVs). As of January 1, 2026, the state minimum liability coverage is 35/70/25 (increased from 25/50/25 under N.J.S.A. 39:6A-3). New Jersey is also a PIP state with personal injury protection coverage typically included in LSV policies.
New Jersey is one of the more expensive states for auto insurance due to its dense population, high traffic volume, and mandatory PIP requirements. Golf cart and LSV insurance costs reflect these factors. The state's coastal communities, particularly along the Jersey Shore, are popular areas for golf cart use during summer months.
New Jersey offers two insurance options: a basic policy with minimal coverage and a standard policy with higher limits. For golf cart/LSV owners, the standard policy is recommended as the basic policy provides very limited protection. NJM Insurance (New Jersey Manufacturers) and Plymouth Rock Assurance are popular regional carriers in the state.
New Jersey-Specific Notes
- PIP State: New Jersey requires PIP coverage on all auto policies. Drivers can choose between a basic and standard policy option.
- 2026 Minimum Increase: New Jersey's minimums increased to 35/70/25 on January 1, 2026 (from 25/50/25). Higher coverage is still recommended for adequate protection in this high-traffic state.
- Jersey Shore Communities: Cape May, Wildwood, LBI, and other shore towns are popular seasonal golf cart areas.
- NJM Insurance: New Jersey Manufacturers is a popular regional carrier known for competitive rates.
- High Insurance Costs: New Jersey consistently ranks among the most expensive states for auto insurance.
- Standard vs. Basic: New Jersey offers a basic policy (very limited) and a standard policy (recommended); LSV owners should choose the standard policy.
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Frequently Asked Questions
Common questions about golf cart insurance in New Jersey.
Do I need insurance for my golf cart in New Jersey?
Yes, if your golf cart is registered as an LSV for use on public roads. New Jersey requires insurance for all registered vehicles under N.J.S.A. 39:4-31.3, with PIP typically included. As of 2026, the minimum liability is 35/70/25, though higher limits are recommended for adequate protection. Golf carts used only on private property are not subject to state insurance requirements.
How much does golf cart insurance cost in New Jersey?
Golf cart insurance in New Jersey typically costs between $150 and $400 per year for basic coverage. New Jersey is one of the more expensive states for auto insurance due to mandatory PIP and dense population. Full coverage may run $350-$600 annually. Shore community owners may see seasonal rate variations.
What does golf cart insurance cover in New Jersey?
Golf cart insurance in New Jersey covers PIP (Personal Injury Protection), bodily injury liability, property damage liability, and optional comprehensive, collision, and uninsured motorist coverage. New Jersey unique basic/standard policy structure allows you to choose coverage levels. The standard policy is strongly recommended over the basic policy for adequate protection.
Do I need insurance for a golf cart at the Jersey Shore?
Yes, if you drive your golf cart on public roads in any Jersey Shore community. Many shore towns allow golf carts during summer months, but all carts on public roads must be registered and insured. The seasonal nature of shore use may allow for reduced off-season rates. Contact a local insurance agent familiar with shore-area golf cart use for the best rates.
Related Resources
View golf cart insurance requirements for all 50 states on our interactive map.
Street-legal requirements, speed limits, and regulations in New Jersey.
Complete 2026 pricing guide for new, used, electric, and gas golf carts.
Find top-rated golf cart dealers and services in New Jersey.
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