Vermont Golf Cart Insurance (2026)
Golf cart insurance requirements in Vermont, including $25,000/$50,000/$10,000 minimum liability and $95–$250/year average cost.
Key Facts
Vermont Golf Cart Insurance Map
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Overview
Vermont requires liability insurance for all motor vehicles operated on public roads, including low-speed vehicles (LSVs). The state minimum liability coverage is 25/50/10. Vermont's rural character and low population density contribute to affordable insurance rates.
Golf cart use in Vermont is limited and primarily seasonal, with the driving season running from roughly May through October. Some resort communities, lake areas, and small towns may see golf cart use during the warmer months. Vermont's mountainous terrain and rural roads are not always ideal for golf cart travel, limiting their use to flatter areas and smaller community streets.
Vermont has moderate-to-low insurance costs, reflecting its rural character, low crime rates, and small population. The state's insurance market is served by both national carriers and regional companies. The $10,000 property damage minimum is relatively low, and higher limits are recommended.
Vermont-Specific Notes
- Affordable Rates: Vermont has low auto insurance costs due to rural character and low population density.
- Seasonal Use: Golf cart season runs roughly May through October; seasonal policies may offer savings.
- Low Property Damage Minimum: Vermont's $10,000 property damage minimum is low; higher limits are recommended.
- Lake Champlain Area: Some communities around Lake Champlain may see seasonal golf cart use.
- Mountainous Terrain: Vermont's hilly terrain limits golf cart use to flatter areas and small town streets.
- Uninsured Motorist Required: Vermont requires uninsured motorist coverage on all auto policies.
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Frequently Asked Questions
Common questions about golf cart insurance in Vermont.
Do I need insurance for my golf cart in Vermont?
Yes, if your golf cart is registered as an LSV for use on public roads. Vermont requires liability insurance with minimums of 25/50/10 plus mandatory uninsured motorist coverage 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 Vermont?
Golf cart insurance in Vermont typically costs between $95 and $250 per year for basic liability coverage. Vermont is one of the more affordable states for auto insurance. Full coverage may run $225-$400 annually. Seasonal policies are a good option for summer-only use.
What does golf cart insurance cover in Vermont?
Golf cart insurance in Vermont covers bodily injury liability, property damage liability, uninsured motorist coverage (required), and optional comprehensive (winter storage damage, ice/snow, theft), collision, and medical payments. Comprehensive coverage is valuable for protecting stored carts during Vermont long winters.
Can I get seasonal golf cart insurance in Vermont?
Yes, many insurers offer seasonal or lay-up policies for Vermont golf cart owners. You can maintain full coverage during the driving season (May-October) and switch to comprehensive-only during winter storage. This protects against theft, rodent damage, and weather damage year-round while reducing costs during months the cart is not in use.
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