West Virginia Golf Cart Insurance (2026)

West Virginia 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, and proof of insurance must be maintained continuously while the vehicle is registered.

Golf cart use in West Virginia is limited compared to many states, primarily found in resort communities, lake areas, and smaller towns. Communities around Summersville Lake, Stonewall Jackson Lake, and the Greenbrier resort area may see some golf cart usage. West Virginia's mountainous terrain limits golf cart use to flatter areas and valley communities.

West Virginia has moderate-to-affordable insurance costs, reflecting its rural character and low population density. Erie Insurance has a strong presence in the state, and national carriers provide additional options. The state's insurance market is straightforward, with no unusual requirements like PIP or no-fault provisions.

• Mountainous Terrain: West Virginia's hilly terrain limits golf cart use to flatter valleys and small-town streets.
• Erie Insurance: A major carrier in the state with competitive rates for specialty vehicles.
• Affordable Rates: West Virginia has moderate-to-low auto insurance costs.
• Resort Communities: The Greenbrier area and some lake communities see limited golf cart usage.
• Simple Insurance System: West Virginia uses a traditional tort system with no PIP or no-fault requirements, keeping insurance straightforward.