Best Car Insurance Company for Golf Carts (Discounts & Rates)

The best car insurance companies for golf cart owners offer a variety of policies. Comparing the companies shows that the lowest rates are from Progressive and coverage is similar to other auto insurance plans. When searching for the best affordable car insurance companies for golf cart owners, you’ll find that rates and required coverage depend on where you drive the golf cart. Discovering more about golf cart insurance will help you find the best choice to cover your cart.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Sep 20, 2021

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The Highlights

  • Progressive has the lowest rates for golf cart insurance
  • Golf cart coverage is similar to car insurance
  • Customers can bundle golf cart insurance with homeowner’s coverage

The best insurance companies offer golf cart coverage to owners. Progressive has the cheapest golf cart rates, and the coverage options are similar to larger vehicles. Understanding more about the best car insurance companies for golf cart owners will help you find the best coverage.

Before looking into the best car insurance companies for golf cart owners, enter your ZIP code to find free auto insurance quotes in your area.

What are the cheapest rates from the best car insurance companies for golf cart owners?

Comparing the rates of multiple companies will help you discover the best affordable car insurance companies for golf cart owners. The following chart shows the average monthly rates for insuring a golf cart.

Average Monthly Rates from the Best Car Insurance Companies for Golf Cart Owners
CompanyAverage Monthly Golf Cart Insurance Rates
Allstate$103
GEICO$145.37
Nationwide$69.75
Progressive$47
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As you can see, Progressive has the best car insurance companies’ rates for golf cart owners.

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What policies are provided by the best car insurance companies for golf cart owners?

When you compare car insurance companies that provide golf cart coverage, you should consider the available policies. Insurance companies that provide this type of coverage typically offer the same plans for golf carts as they do for larger vehicles.

The most common policies provided for golf carts include:

  • Property damage liability
  • Bodily injury liability
  • Collision
  • Comprehensive
  • Medical payments

In some cases, a golf cart might be considered a low-speed vehicle. It depends on the cart’s top speed. While a low-speed vehicle’s top speed is 20 to 25 miles per hour, a golf cart’s top speed is 20 miles per hour. Companies classify faster golf carts as low-speed vehicles.

The coverage you need for your golf cart depends on how you use it. If you only use your cart on private property, you might not need any coverage at all. However, if you drive it on public roads or property, you’ll need to maintain your state’s required minimum auto insurance coverage.

The minimum car insurance requirements in most states include property damage liability and bodily injury liability coverage.

You likely don’t need more extensive protection, like collision and comprehensive, for your golf cart since most carts don’t exceed 20 miles per hour.

However, in addition to being required to have some coverage, it’s a good idea to protect your golf cart should you get into an accident with a car or another golf cart.

If your golf cart is considered a low-speed vehicle, the requirements are slightly different than they are for a typical golf cart.

For example, you’ll need to display a slow-moving vehicle emblem on your cart, informing drivers around you that your cart travels above 20 miles per hour.

Before you drive your cart on some public areas, like a campground, you’ll be required to provide proof of liability insurance. Rather than offering specific golf cart insurance for campgrounds, the liability insurance you obtain will be enough to use your cart.

How can you obtain coverage from the best car insurance companies for golf cart owners?

The easiest way to obtain golf cart coverage is through your auto insurance provider. Some auto insurance companies offer stand-alone golf cart insurance, but most list a golf cart as a recreational or off-road vehicle.

Many insurance companies allow golf cart owners to add their cart to their homeowner’s insurance policy. However, the company might require that you only use your golf cart on your property.

The best car insurance companies’ quotes for golf cart owners adding a golf cart to their homeowner’s policy provide coverage as low as $4 per month.

If your auto insurance company doesn’t offer golf cart coverage, you can also find companies that specialize in recreational vehicles. These companies, like Good Sam golf cart insurance, usually focus on providing insurance for RVs, ATVs, and other smaller units.

What discounts are offered by the best car insurance companies for golf cart owners?

The Insurance Information Institute says there are various ways to save on car insurance. Companies also provide ways to save on golf cart insurance. Knowing the available discounts for your golf cart coverage will help you find the lowest rates.

The most popular discounts for golf cart insurance include:

  • Bundling: Most insurance companies provide discounts for bundling your home and auto insurance. You can add a golf cart to your bundled policies, lowering your monthly rates.
  • Paying in full: Paying up front eliminates the risk of missing payments. Insurance companies offer discounts for paying in full rather than in monthly installments.
  • Safety certification: Drivers that complete safe driving courses are less likely to get into accidents. Car insurance companies commonly provide discounts for completing these programs.

Each of these discounts will lower your rates, but you can also combine these discounts for even more savings. Some of these discounts might only be available for stand-alone policies, so you might not be able to obtain the savings if you add your cart to your homeowner’s insurance.

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Best Car Insurance Companies for Golf Cart Owners: The Bottom Line

While you can buy golf cart insurance as a stand-alone policy, you can also add it to your homeowner’s insurance. Progressive provides the lowest rates, but it depends on the coverage you choose.

Learning about the best car insurance companies for golf cart owners will help you get the best coverage.

Now that you know about the best car insurance companies for golf cart owners, enter your ZIP code to get free auto insurance rates in your area.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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