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Florida's Leading Golf Cart Insurance Providers

Shop for Florida Golf Cart Insurance
in 3 Simple Steps

Wave goodbye to hassle. Here’s how Worth makes Golf Cart insurance easy.

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Tell Us About
Your Golf Cart

From golf carts to utility vehicles, we’ll gather the basics—year, make, model, how and where you drive it. Our licensed agents will review your details to ensure we understand your unique driving needs and coverage preferences.

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1
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Compare Quotes
from Top Carriers

We’ll match your golf cart’s profile with quotes from trusted Florida insurance providers. Whether you use it around your community, on private property, or for light utility work, we’ll help you compare coverage options that actually fit how and where you drive.

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 Set Sail with the Right
Coverage

Choose your plan, lock in any discounts, and drive off knowing your golf cart—and wallet—are well protected. Our team is here to help every step of the way, even after you’ve secured your coverage.

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Trusted Choice
Preferred Partner
FAIA

Do You Qualify for a Discount?

Golf Cart Safety Course
Golf Cart Safety Course: A discount is available when you have completed a golf cart safety course within the past three years.
Multi-Vehicle Discount
Multi-Vehicle Discount: A discount will be applied when there are two or more golf carts on your policy.
Personal Responsibility
Personal Responsibility: We offer an insurance score discount which you may qualify for depending upon financial responsibility, driving experience, and loss history.
Prior Insurance Discount
Prior Insurance Discount: We provide a discount when you have had continuous golf cart insurance within the past six months.
Renewal Discount
Renewal Discount: A discount will be applied when you renew your golf cart policy with American Integrity.

Why Florida Golf Cart Owners Love Worth

Since 2018, we've strived to be the leading online digital insurance marketplace.

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Why Worth Insurance?

Feature
Agent Type
Coverage Options
Costs
Time & Efficiency
Personal Agent
Tailored to your needs
Competitive Rates
Quick & Easy
Comparison Sites
Automated Search
Limited Options
High
Quick
Captive Agent
Captive Agent
Limited
Varies
Prolonged
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Preferred Partner
Independent Agency
FAIA
Florida Insurance

Why Golf Cart Insurance Matters in Florida

Golf cart insurance protects your investment and offers peace of mind against unexpected incidents. While Florida’s sunny weather makes it ideal for year-round golf cart use, the roads and communities where carts operate can present risks, from collisions and property damage to theft and weather-related losses.

Typical golf cart insurance policies include coverage for physical damage, collision, liability, theft, vandalism, and bodily injury. Some providers even offer coverage for accessories or custom upgrades, such as lifted suspensions, lighting kits, or weather enclosures.

Working with trusted providers and independent agencies, like Peoples First Insurance, ensures you receive a policy tailored to how and where you use your cart, whether it’s within a gated community, golf course, or low-speed neighborhood zone.

Without dedicated golf cart insurance, you could face significant out-of-pocket expenses after an accident or theft. Many Florida owners mistakenly assume their home or auto insurance covers golf carts, but in reality, specialized golf cart insurance provides the comprehensive protection needed for this unique vehicle.

Florida Boat Insurance

We Help You Save & Maximize Discounts

Our agents give you personalized attention and have access to the best savings, discounts, and quotes available. You always get the coverage you need for your boat at the lowest possible rate.

Let Worth Insurance take care of your boat insurance needs – and lock in your savings and discounts today. Take a look at some of the ways we can help you save:

Multi-policy
Multi-policy
Responsible driver
Responsible
driver
Original owner
Original owner
Transfer from another company
Transfer from another company
Multi-policy
Multi-policy
Responsible driver
Responsible
driver
Original owner
Original owner
Transfer from another company
Transfer from another company
Multi-policy
Multi-policy
Responsible driver
Responsible
driver
Original owner
Original owner
Transfer from another company
Transfer from another company
Association
Association
Multi-boat
Multi-boat
Advanced quote
Advanced
quote
Pay in full
Pay in full
Association
Association
Multi-boat
Multi-boat
Advanced quote
Advanced
quote
Pay in full
Pay in full
Multi-boat
c
Multi-boat
Multi-boat
Advanced quote
Advanced
quote
Pay in full
Pay in full
Prompt payment
Prompt
payment
Safety course
Safety course
Small accident forgiveness
Small accident forgiveness
Large accident forgiveness
Large accident forgiveness
Prompt payment
Prompt
payment
Safety course
Safety course
Small accident forgiveness
Small accident forgiveness
Large accident forgiveness
Large accident forgiveness
Prompt payment
Prompt
payment
Safety course
Safety course
Small accident forgiveness
Small accident forgiveness
Large accident forgiveness
Large accident forgiveness

Get the Best Golf Cart Insurance Coverage Hassle-Free with Worth Insurance

Quick & Easy Application

Quick & Easy
Application Process

No more spending hours browsing through quotes on comparison websites or filling out lengthy forms. With Worth Insurance, you can apply in under 60 seconds and let our agents handle the rest.

Save Money

Save Money & Worry Less
about Costs

Our agents will find you competitive rates and discounts so that you can enjoy comprehensive coverage without breaking the bank.

Boat Insurance

Stay Ahead of Unexpected Disasters or Losses

Our modern technology enables us to move faster than other agencies, ensuring that we secure tailored coverage options for you as soon as possible. So you don't have to worry about facing unexpected disasters or losses.

We Make Shopping for Golf Cart
Insurance Simple & Stress-Free

Enjoy Peace of Mind
Enjoy Peace of Mind

We take the stress out of shopping for golf cart insurance. We make it easy to shop and save, so you don't have to worry.

Quality Coverage
Quality Coverage

Protecting your golf cart is our top priority, and we guarantee quality coverage from only the best-rated carriers on the market.

Save Time and Money
Save Time and Money

Our technology allows us to move quickly, so you don't have to wait months to get the necessary coverage. Our simple process makes getting the insurance you need easier than ever.

Licensed Professional
Get Help From A Licensed Professional

Our experienced team will help you navigate the market and get the best rates for your needs.

Easy Process
Easy Process

Apply in under 60 seconds, and let us take the stress out of comparing options and locking in your rate.

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Worth Insurance

Understanding Golf Cart Insurance in Florida

Several factors influence the cost of golf cart insurance, making it important for owners to understand what drives their premiums. In Florida, where golf carts are commonly used in gated communities, resorts, and even public roads (in some areas), insurance costs can vary depending on how and where the cart is used.

Key factors include the golf cart’s value and modifications, the driver’s experience, frequency of use, and whether the cart is driven on private property or public roads.

Understanding these factors can help golf cart owners make informed coverage choices and potentially lower their insurance costs. Let’s explore each of these factors in more detail.

Florida Boat Insurance

Frequently Asked Questions

We get it. Boat insurance is complicated. We're here to help clear things up.

Is golf cart insurance required in Florida?
faq

In Florida, golf cart insurance is not required for standard golf carts that are only driven on private property or designated golf cart paths.However, if your cart is street-legal and registered as a Low-Speed Vehicle (LSV), Florida law requires you to carry insurance, including Personal Injury Protection (PIP) and Property Damage Liability (PDL) coverage.

What’s the difference between a golf cart and a Low-Speed Vehicle (LSV) in Florida?
faq

A golf cart in Florida is limited to 20 mph or less and typically doesn’t require registration or insurance.An LSV (Low-Speed Vehicle) can go up to 25 mph, must be registered with the DMV, and must have insurance just like a regular car. Converting your golf cart to street-legal status automatically changes its insurance requirements.

What type of insurance coverage do I need for a street-legal golf cart in Florida?
faq

For street-legal golf carts (LSVs) in Florida, you’re required to carry:

  • Personal Injury Protection (PIP) – minimum $10,000
  • Property Damage Liability (PDL) – minimum $10,000

Optional coverages include:

  • Collision coverage
  • Comprehensive coverage (for theft, fire, or vandalism)
  • Uninsured/Underinsured motorist coverage
How much does golf cart insurance cost in Florida?
faq

The average Florida golf cart insurance cost ranges from $75 to $300 per year, depending on:

  • Whether your golf cart is street-legal or private-use only
  • The coverage limits you choose
  • Your driving history and location
  • The value and modifications of your cart
Does homeowners insurance cover golf carts in Florida?
faq

Sometimes. Many homeowners insurance policies cover golf carts only when used within the community or on private property.If you drive your cart on public roads or outside your neighborhood, you’ll likely need a separate golf cart or LSV insurance policy.

Can I drive my golf cart on public roads in Florida without insurance?
faq

No — unless your golf cart stays under 20 mph and is driven only in approved areas, such as golf communities or designated paths.
Once your cart is street-legal (LSV), it must be registered, titled, and insured.

What happens if I get into an accident without golf cart insurance in Florida?
faq

If you operate a street-legal golf cart without insurance, you could face:

  • Fines and penalties
  • Suspension of your driver’s license
  • Financial responsibility for any damages or injuries

Uninsured operation of an LSV is treated the same as driving an uninsured car in Florida.

Does golf cart insurance cover theft or vandalism?
faq

Yes, but only if you have comprehensive coverage included in your policy. This protects your golf cart from non-collision damages, such as:

  • Theft
  • Fire or vandalism
  • Weather-related damage (like storms or floods)
Can I add my golf cart to my existing auto insurance policy?
faq

In many cases, yes — especially if your auto insurance company offers multi-vehicle or recreational vehicle coverage.
Bundling your golf cart insurance with auto or homeowners policies can also help you save on premiums.

How do I get a quote for golf cart insurance in Florida?
faq

You can get a Florida golf cart insurance quote online or through a licensed insurance agent. Be ready to provide:

  • Your golf cart’s make, model, and year
  • Whether it’s street-legal or not
  • Your driving history and address
  • Your desired coverage limits
Do I need a driver’s license to operate a golf cart in Florida?
faq

If you’re driving a standard golf cart (under 20 mph) in approved areas, you don’t need a driver’s license.But if your cart is street-legal, Florida law requires a valid driver’s license, registration, and insurance.

Are there discounts available for Florida golf cart insurance?

Yes. Many insurers offer discounts for:

  • Multi-policy bundling (home, auto, and golf cart)
  • Safe driver records
  • Anti-theft devices or garage storage
  • Membership in certain communities or clubs