If you own and drive a golf cart, you may need to purchase golf cart insurance. Besides cruising the golf course, you might drive it around the neighborhood, your property, on city streets and about town. No matter the case, it is very unlikely your auto or home insurance policy will cover your golf cart or any damages it causes if involved in an accident. Do not make the mistake of assuming it is covered under these policies. In fact, in several states, it is required by law to insure your golf cart, no matter where it’s driven.
In this article, Part 1 explains the different golf cart coverage available, Part 2 describes costs for golf cart insurance, and Part 3 explains how to find cheap golf cart insurance.
Part 1 of 3: Different types of golf cart coverage
Golf cart insurance coverage is very similar to motorcycle, ATV, and motorized scooter insurance. There are different options available to choose from depending on your need.
Type 1: Bodily Injury and Property Damage Liability. The most mandated type of coverage is Bodily Injury and Property Damage Liability Insurance.
This insurance covers damages and injuries to others and property caused by you when you are driving the golf cart. There are claim limits, much like other types of motorcycle or automobile insurance.
Type 2: Guest Passenger Liability. This coverage is unique and specific to vehicles like motorcycles, golf carts and other similar automobiles.
This insurance provides specific coverage for any passengers injured while riding with you in the golf cart.
Type 3: Medical Payments Coverage. This is optional coverage covering medical bills.
This insurance covers the medical bills, as related to an accident involving the golf cart, of the driver and any passengers during the incident.
Type 4: Uninsured/Underinsured Motorists. This is optional coverage protecting you in case you are involved in an accident with a person with minimal or no insurance coverage.
This insurance covers items like lost wages, medical bills, personal injury to the driver and passengers, and damages to the golf cart in the event that the person causing the accident does not have sufficient insurance, if any at all.
Type 5: Collision and Comprehensive. This is optional coverage that pays for the repairs or replacement of the golf cart.
This insurance will pay for the replacement or repair of your golf cart if it is involved in an accident. However, you still have to pay your deductible.
Part 2 of 3: Costs of golf cart insurance
The cost of golf cart insurance varies depending on where you plan on driving it, what state you live in, and if you are going to use it on public roads. There is a long list of considerations, such as how fast of speed the model of golf cart you own can reach, if it has a speed inhibitor, and if its purpose is for off-road only.
These are just a few of the factors. With this in mind, you can expect to pay anywhere between $100 to $1,000 per year for coverage. The best way to get an accurate price is to contact your insurance company.
Part 3 of 3: How to find cheap golf cart insurance
If you are thinking about purchasing a golf cart, you will want to look at the total cost of owning it, which includes the cost of insurance. The best way to find cheap golf cart insurance is to shop around. You can start by contacting your current automobile or home insurance company and see if they offer coverage.
You can also search online or call different insurance companies directly. You will find some do not provide golf cart coverage at all, while others are open to insuring all types of vehicles.
Owning and driving a golf cart can be a lot of fun. It is a versatile vehicle that can provide you a smooth off-road experience on the golf course and about your property. It also makes for an easy way to cruise the neighborhood or leisurely travel around town. To find the insurance to meet your needs, consider the different golf cart coverage available, the costs of golf cart insurance, and how to find cheap golf cart insurance.