New York Golf Cart Insurance (2026)

New York requires insurance for all motor vehicles registered in the state, including low-speed vehicles (LSVs). The state minimum liability coverage is 25/50/10. New York is also a PIP (no-fault) state, requiring $50,000 in Personal Injury Protection coverage on all auto policies, which significantly adds to the cost of insurance.

Golf cart and LSV use on public roads in New York is relatively limited compared to southern states. Standard golf carts are generally not permitted on public roads, but properly equipped and registered LSVs can be used on roads with appropriate speed limits in some areas. New York's dense urban areas (particularly New York City) are not conducive to golf cart use, but suburban and rural communities, particularly on Long Island, in the Hudson Valley, and in the Finger Lakes region, may see some LSV usage.

New York has some of the highest auto insurance costs in the nation, driven by the mandatory $50,000 PIP requirement, dense population, and high litigation rates. Golf cart owners in the New York City metro area will pay significantly more than those in upstate regions.

• PIP State: New York requires $50,000 in no-fault PIP coverage on all auto policies, significantly increasing the base cost of LSV insurance.
• High Insurance Costs: New York is one of the most expensive states for auto insurance, especially in the NYC metro area.
• Limited Golf Cart Use: Standard golf carts are not widely permitted on New York public roads; LSVs with proper registration are allowed in some areas.
• Regional Cost Variation: Upstate New York insurance costs are significantly lower than the NYC metro area.
• Long Island and Hamptons: Some Long Island communities, including resort areas in the Hamptons, may permit LSV use with proper registration and insurance.
• Mandatory $50K PIP: New York's $50,000 PIP minimum is one of the highest in the country.