Ohio Golf Cart Insurance (2026)
Golf cart insurance requirements in Ohio, including $25,000/$50,000/$25,000 minimum liability and $95–$265/year average cost.
Key Facts
Ohio Golf Cart Insurance Map
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Overview
Ohio requires liability insurance for all motor vehicles operated on public roads, including golf carts registered as low-speed vehicles (LSVs). The state minimum liability coverage is 25/50/25, and proof of financial responsibility must be maintained at all times while the vehicle is registered.
Golf carts are popular in many Ohio communities, particularly around the state's numerous lakes, in resort areas like Put-in-Bay on South Bass Island, and in retirement communities. Put-in-Bay is one of the most famous golf cart communities in the Midwest, where golf carts are the primary mode of transportation during tourist season. Many smaller Ohio towns have also adopted ordinances allowing golf cart use on local streets.
Ohio has a competitive insurance market with multiple major carriers headquartered or significantly present in the state, including Progressive (Mayfield Village), Nationwide (Columbus), and Grange Insurance (Columbus). This competition helps keep rates affordable for golf cart owners.
Ohio-Specific Notes
- Put-in-Bay: South Bass Island is one of the premier golf cart destinations in the Midwest, with thousands of carts rented and operated during tourist season.
- Progressive Headquarters: Progressive Insurance is headquartered in Ohio and offers competitive golf cart/LSV coverage.
- Nationwide: Based in Columbus, Nationwide is another major Ohio carrier with recreational vehicle options.
- Grange Insurance: An Ohio-based carrier popular in rural communities with competitive rates.
- Erie Insurance: Available in Ohio and well-known for competitive specialty vehicle coverage.
- Lake Erie Islands: Beyond Put-in-Bay, Kelleys Island and other Lake Erie islands have active golf cart cultures.
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Frequently Asked Questions
Common questions about golf cart insurance in Ohio.
Do I need insurance for my golf cart in Ohio?
Yes, if your golf cart is registered as an LSV for use on public roads. Ohio requires liability insurance with minimums of 25/50/25 for all registered motor vehicles. Golf carts used only on private property, golf courses, or within private communities do not require insurance by state law.
How much does golf cart insurance cost in Ohio?
Golf cart insurance in Ohio typically costs between $95 and $265 per year for basic liability coverage. Ohio competitive insurance market (home to Progressive and Nationwide) helps keep rates affordable. Full coverage may run $225-$425 annually.
What does golf cart insurance cover in Ohio?
Golf cart insurance in Ohio covers bodily injury liability, property damage liability, and optional coverages like comprehensive (theft, storm damage, hail), collision, medical payments, and uninsured motorist coverage. Comprehensive coverage is recommended in Ohio due to severe weather risks including tornadoes and hailstorms.
Do I need insurance for a golf cart rental at Put-in-Bay?
If you are renting a golf cart at Put-in-Bay, the rental company typically includes liability coverage in the rental fee. However, check with the rental company to confirm what coverage is included and whether additional coverage is available. If you bring your own golf cart to Put-in-Bay on a ferry, you need your own insurance for any use on public roads.
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