Pennsylvania Golf Cart Insurance (2026)

Pennsylvania requires insurance for all motor vehicles registered in the state, including low-speed vehicles (LSVs). The state minimum liability coverage is 15/30/5, which is among the lowest in the nation. Pennsylvania offers both a full tort and limited tort option, which affects how claims are handled after an accident.

Golf carts are used in various Pennsylvania communities, particularly in the Poconos resort region, Pennsylvania Dutch Country, and various lake and retirement communities. Erie Insurance, headquartered in Erie, Pennsylvania, is one of the most prominent carriers in the state and offers competitive recreational vehicle coverage.

Pennsylvania's full tort vs. limited tort choice is an important consideration for golf cart owners. Under limited tort, you give up the right to sue for pain and suffering in most cases, in exchange for lower premiums. Given the vulnerability of golf carts in accidents, many experts recommend choosing full tort for LSV policies. The $5,000 property damage minimum is dangerously low and should be increased significantly.

• Full Tort vs. Limited Tort: Pennsylvania unique tort choice affects golf cart policies. Full tort preserves your right to sue for pain and suffering; limited tort costs less but restricts your rights.
• Very Low Minimums: Pennsylvania's 15/30/5 minimums are among the lowest in the nation; the $5,000 property damage minimum is woefully inadequate.
• Erie Insurance: Headquartered in Erie, PA, this major regional carrier offers competitive golf cart/LSV coverage.
• Poconos Resort Area: The Pocono Mountains region has resort communities where golf carts are used seasonally.
• Medical Benefits Required: Pennsylvania requires $5,000 minimum in medical benefits (similar to PIP) on all auto policies.