Washington Golf Cart Insurance (2026)
Golf cart insurance requirements in Washington, including $25,000/$50,000/$10,000 minimum liability and $110–$300/year average cost.
Key Facts
Washington Golf Cart Insurance Map
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Overview
Washington State 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 25/50/10. Proof of insurance must be provided at the time of registration and carried in the vehicle at all times.
Golf cart use in Washington is concentrated in certain planned communities, resort areas, and smaller towns, particularly in the eastern part of the state where the climate is drier and sunnier. Western Washington's rainy climate limits year-round outdoor golf cart use, though some communities still use them during drier months. Seabrook on the Washington coast is a notable planned community where golf carts are a primary form of transportation.
Washington's insurance market features strong regional carriers like PEMCO and Safeco (now part of Liberty Mutual) alongside national companies. The state has moderate insurance costs, with Seattle metro area rates being higher than eastern Washington.
Washington-Specific Notes
- PEMCO Insurance: A Washington-based regional carrier known for competitive rates and local expertise.
- Safeco Insurance: Originally a Seattle-based company (now part of Liberty Mutual) with strong Washington market presence.
- Seabrook Community: A planned coastal community where golf carts are a primary mode of transportation.
- East vs. West: Eastern Washington's drier climate is more conducive to golf cart use than the rainy western side.
- Low Property Damage Minimum: Washington's $10,000 property damage minimum is low; higher limits are recommended.
- PIP Optional: Washington offers optional PIP coverage; it is not mandatory.
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Frequently Asked Questions
Common questions about golf cart insurance in Washington.
Do I need insurance for my golf cart in Washington?
Yes, if your golf cart is registered as an LSV for use on public roads. Washington requires liability insurance with minimums of 25/50/10 for all registered motor vehicles. Golf carts used only on private property or within private communities do not require insurance by state law.
How much does golf cart insurance cost in Washington?
Golf cart insurance in Washington typically costs between $110 and $300 per year for basic liability coverage. Seattle metro area rates are higher than eastern Washington. Full coverage with comprehensive and collision may run $250-$475 annually.
What does golf cart insurance cover in Washington?
Golf cart insurance in Washington covers bodily injury liability, property damage liability, and optional coverages like PIP (optional in Washington), comprehensive (rain damage, theft), collision, medical payments, and uninsured motorist coverage. In western Washington, comprehensive coverage can help protect against moisture-related damage.
Can I drive a golf cart at Seabrook, Washington?
Yes, Seabrook is a planned community on the Washington coast where golf carts are a primary form of transportation. If you drive on public roads within or near the community, your cart must be registered and insured. Many Seabrook residents carry insurance for their carts even for community-only use due to the high traffic of carts in the area.
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