Tennessee Golf Cart Insurance (2026)

Tennessee 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. Tennessee uses a traditional tort-based insurance system.

Golf carts are popular in many Tennessee communities, particularly in resort areas around the Great Smoky Mountains (Gatlinburg, Pigeon Forge, Sevierville), lake communities around Norris Lake, Watts Bar Lake, and Douglas Lake, and various retirement and suburban developments. The Gatlinburg/Pigeon Forge area has seen growing golf cart use for navigating tourist areas.

Tennessee has moderate insurance costs that are near the national average. The Tennessee Farm Bureau is a dominant regional carrier with competitive rates across the state. The state's mix of urban areas (Nashville, Memphis) and rural/resort communities means insurance costs vary significantly by location.

• Tennessee Farm Bureau: The dominant insurer in rural Tennessee with competitive rates for all vehicle types.
• Great Smoky Mountains: Gatlinburg, Pigeon Forge, and Sevierville communities have growing golf cart cultures for navigating tourist areas.
• Lake Communities: Norris Lake, Douglas Lake, and Watts Bar Lake areas see popular golf cart usage.
• Moderate Costs: Tennessee has moderate auto insurance rates near the national average.
• Updated Property Damage Minimum: Tennessee raised its property damage minimum from $15,000 to $25,000 effective January 1, 2023 (SB 504). Higher limits are still recommended for adequate protection.
• No State Income Tax: Tennessee has no state income tax, contributing to a lower overall cost of living.