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Golf Cart Insurance
Ride protected on the course and in your community for as low as $75 per year for a liability policy*
Essential protection for you and your golf cart
Whether you use your golf cart from green to green or around your gated community, get affordable specialty golf cart insurance to cover you and your vehicle.
Drive down your golf cart insurance cost with discounts†
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Pay in full
Earn a discount simply for paying your golf cart insurance policy up front and in full.
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Featured
Multi-policy
Bundle and save! We'll add a discount if you already have auto, home, renters, boat, or RV insurance with Progressive.
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Homeowner
Enjoy a discount on your golf car policy just for owning a home.
Golf cart insurance protects you on and off the greens
Just as auto insurance protects you if you cause accidents on the road, golf cart insurance offers coverage when you drive your cart — from a round of 18 to a quick trip through your neighborhood. A golf cart policy is also a safeguard against theft, damage to your cart, and more. Learn more about what golf insurance covers.
Required
Liability
Covers you if you're responsible for an accident
Liability
Covers you if you're responsible for an accident
Although not required in every state, golf cart liability coverage may pay for property damage and injuries you cause to others while operating your cart, up to your coverage limits. It may also cover legal fees and court costs.
Recommended
Comprehensive
Protects your golf cart against the unexpected
Comprehensive
Protects your golf cart against the unexpected
If your golf cart is vandalized or stolen, comprehensive coverage can pay to repair or replace it. Additionally, comprehensive may cover damage from a fire, hitting an animal, an act of nature, or glass breakage.
Included
Collision
Covers damage to your cart if you collide with an object or vehicle
Collision
Covers damage to your cart if you collide with an object or vehicle
If you're in an accident with another golf cart or street vehicle, collision coverage can pay for your golf cart's repairs or replacement. Collision can also pay for damage to your cart if you hit a tree, fence, parked car, clubhouse, or other object.
Optional
Accessories
Covers upgrades to your golf cart
Accessories
Covers upgrades to your golf cart
If you carry both comprehensive and collision coverage on your golf cart policy, you automatically earn $3,000 in accessory coverage for upgrades like a custom paint job, seat covers, or LED light kits. You can purchase additional coverage, if necessary, up to $30,000.
Common questions about golf cart insurance
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Insurance requirements for golf carts vary by state. Some states require insurance for golf carts. Check with your department of motor vehicles to find out what's legally required where you drive your cart.
In states that don't mandate golf cart insurance, you may still be required to carry a policy under local law if you drive your cart on a public road. Your lender could require golf insurance if you finance your golf cart. Even when optional, golf cart insurance can be crucial if you're involved in an accident while riding your cart or it gets vandalized or stolen.
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