Utah Golf Cart Insurance (2026)
Golf cart insurance requirements in Utah, including $30,000/$65,000/$25,000 minimum liability and $100–$275/year average cost.
Key Facts
Utah Golf Cart Insurance Map
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Overview
Utah 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 30/65/25 (updated in 2025). Utah is also a PIP state, requiring $3,000 in personal injury protection coverage.
Golf cart use in Utah is somewhat limited but growing, particularly in planned communities, resort areas like St. George and Park City, and various retirement developments. Southern Utah's warm climate around St. George allows for year-round use, while northern Utah communities use carts seasonally.
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.
- 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.
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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?
Yes, if your golf cart is registered as an LSV for use on public roads. Utah requires liability insurance with minimums of 30/65/25 plus mandatory PIP ($3,000 minimum) for all registered motor vehicles. 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?
Golf cart insurance in Utah 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. Utah 30/65/25 minimums (updated 2025) provide solid baseline protection.
Is PIP required for golf cart insurance in Utah?
Yes. Utah is a PIP state that requires $3,000 minimum in Personal Injury Protection on all auto insurance policies, including those for registered LSVs. PIP covers your own medical expenses regardless of fault. The $3,000 minimum is relatively low compared to other PIP states, so the cost impact is modest.
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