Utah Golf Cart Insurance (2026)

Q: How much does golf cart insurance cost in Utah?

Golf cart insurance in Utah typically costs between $100 and $275 per year for basic coverage including PIP. Full coverage with comprehensive and collision may run $240-$450 annually. Costs vary by location, with Salt Lake City metro being somewhat more expensive.

Q: What does golf cart insurance cover in Utah?

For a registered LSV, Utah insurance covers PIP (Personal Injury Protection) at $3,000 minimum, bodily injury liability, property damage liability, and optional comprehensive, collision, medical payments, and uninsured motorist coverage. Ordinary municipal-authorized golf carts are exempt from the state motor vehicle insurance mandate, but owners can still buy specialty coverage.

Golf cart insurance requirements in Utah, including $30,000/$65,000/$25,000 minimum coverage and $100–$275/year average cost.

Policy terms, eligibility, and local rules can vary. Verify requirements with a licensed agent.

Key Facts

Insurance Required

Required for LSVs; golf carts exempt at state level per 41-6a-1510

LSV Insurance

Required

Min Liability

$30,000/$65,000/$25,000

Avg Annual Cost

$100–$275

Property Damage

Required ($25,000)

Official Statute

View Official Law

Utah Golf Cart Insurance Map

Utah

Status: Conditional

Min Liability: 30/65/25

Avg Cost: $100–$275/yr

Full Status: Conditional; LSVs required, golf carts exempt

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Overview

Utah requires liability insurance for registered motor vehicles, including low-speed vehicles (LSVs). The state minimum liability coverage is 30/65/25 for policies issued or renewed on or after January 1, 2025. Utah is also a PIP state, requiring $3,000 in personal injury protection coverage.

Ordinary golf carts are different from LSVs under Utah Code 41-6a-1510. A municipality may allow golf carts on specified highways, but those golf carts are exempt from Utah motor vehicle insurance requirements. Local rules can still set operating conditions, and owners may still choose coverage for liability, theft, and damage.

Utah has moderate insurance costs, and Bear River Mutual is a notable regional carrier based in the state. The PIP requirement adds a small amount to the base cost of coverage. Utah updated its minimums to 30/65/25 in 2025, reflecting the state's approach to ensuring adequate coverage.

Utah-Specific Notes

Unique BI Minimum: Utah's minimums were updated to 30/65/25 effective January 2025.
PIP State: Utah requires $3,000 minimum PIP coverage on all auto policies, including LSV policies.
Golf Cart Exemption: Utah Code 41-6a-1510 exempts ordinary municipal-authorized golf carts from the state motor vehicle insurance requirement.
Bear River Mutual: A Utah-based carrier with competitive rates for local residents.
St. George Area: Southern Utah communities around St. George have year-round golf cart weather and growing cart usage.
Park City: The resort community may see limited seasonal golf cart use.
Moderate Costs: Utah has moderate auto insurance costs near the national average.

Street-Legal Equipment for Utah

If you're driving on public roads in Utah, you'll likely need this equipment to meet state requirements and qualify for insurance.

Mirrors + signals in one

LED Turn Signal Mirrors

OMEIPMEO side mirrors with integrated LED turn signals. Universal no-drill fit.

$35–$55Amazon

Available on Amazon

Kandi GOAT 2P Golf Cart

2-passenger electric golf cart. 5,000W motor, 40-mile range, yoke steering. Free shipping.

$7,999Amazon

Required on public roads

SMV Triangle

Slow-moving vehicle reflective triangle. Aluminum frame, DOT compliant.

$10Amazon

Common road-use requirement

4-Panel Rear View Mirror

OMEIPMEO wide-angle rear-view mirror. Universal mount for Club Car, EZGO, Yamaha, and other carts.

$21.97Amazon

Biggest upgrade you can make

48V Lithium Battery Kit

Complete 105Ah LiFePO4 kit with 250A BMS, charger, and LCD monitor. 6,000+ cycles.

$1,200–$1,600Amazon

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Frequently Asked Questions

Common questions about golf cart insurance in Utah.

Do I need insurance for my golf cart in Utah?

A registered LSV needs Utah auto insurance with 30/65/25 liability coverage plus $3,000 minimum PIP. An ordinary golf cart operated under a municipal ordinance is exempt from Utah motor vehicle insurance requirements under Utah Code 41-6a-1510, though local operating rules still apply. Golf carts used only on private property are not subject to state insurance requirements.

How much does golf cart insurance cost in Utah?

Golf cart insurance in Utah typically costs between $100 and $275 per year for basic coverage including PIP. Full coverage with comprehensive and collision may run $240-$450 annually. Costs vary by location, with Salt Lake City metro being somewhat more expensive.

What does golf cart insurance cover in Utah?

For a registered LSV, Utah insurance covers PIP (Personal Injury Protection) at $3,000 minimum, bodily injury liability, property damage liability, and optional comprehensive, collision, medical payments, and uninsured motorist coverage. Ordinary municipal-authorized golf carts are exempt from the state motor vehicle insurance mandate, but owners can still buy specialty coverage.

Is PIP required for golf cart insurance in Utah?

PIP is required for Utah auto policies, including registered LSV policies, with a $3,000 minimum. Ordinary golf carts operated under Utah Code 41-6a-1510 are exempt from the state motor vehicle insurance requirement.