Golf Cart Insurance

golf cart insurance
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For more information or to request a quote, call The Hartford:
 

888-546-9099

Monday-Friday, 7 a.m. to 11 p.m. ET
 
Saturday-Sunday, 8 a.m. to 6 p.m. ET

What Is Golf Cart Insurance?

Stay on top of your game with customized golf cart insurance. We can help you choose the right level of protection and options at the right price.
 
Play with confidence knowing that the AARP® Auto and Home Insurance Program from The Hartford has you covered on the course.1 We offer full coverage for your gas or electric golf cart. Plus, our insurance comes with full access to our specialized claims service. Find out how we can help protect your golf cart or get a quote today by calling 888-546-9099.
 

Why Do Golf Carts Need Insurance?

Golf cart accidents can happen at any time and place. You can damage someone’s property or get in an accident while on the golf course. Having golf cart insurance is important, because it helps protect you from these kinds of risks.
 
How you use your golf cart affects how much coverage you need. Depending on how you use it, consider these coverages for your golf cart insurance.
 
  • Basic golf cart: Helps protect your golf cart if you only drive it on a course. You can add this endorsement to your homeowners insurance policy.
  • ATV golf cart: Using a modified golf cart at the golf course or off road requires more coverage. You may want to get both ATV insurance for golf carts and umbrella insurance.
  • Modified – Low speed vehicle (LSV): If you plan to use your golf cart on the course and on public roads, you may need to get an auto insurance policy for LSVs. For example, Arizona drivers need to carry liability insurance if they drive their golf cart on the road.
Depending on where you live, your state may have different insurance requirements. These laws vary by state, so it’s a good idea to make sure you get the right coverage.
 
Even if your state doesn’t require coverage, it’s important to have because it can help protect your golf cart if it gets damaged or stolen. Without it, you’re responsible for paying for damages and medical bills out of pocket.
 

Golf Cart Liability Insurance Coverage

If you insure your golf cart with an endorsement on your homeowners insurance policy, you may not have coverage for an accident off the course. With golf cart insurance from The Hartford, the following coverages can help protect you if you’re in an accident:**
 
You can also customize your golf cart insurance policy by:
 
  • Increasing your liability coverage limits
  • Getting optional coverage, such as towable trailers or towing insurance
  • Adding coverage for driving off the golf course in a gated community

How Much is Golf Cart Insurance?

how much is golf cart insurance Your coverage needs are unique, so you’ll likely pay a different rate than other golf cart drivers. Different factors can also impact your golf cart insurance cost. For example, if you choose a lower deductible and a higher coverage limit, your policy may be more expensive than if you choose a lower amount.
 
Other factors that can impact your golf cart insurance cost are your:
 
  • Vehicle’s size
  • Driving history
  • Coverage types

Golf Cart Insurance Rates and Discounts

Your local insurance agent or our specialists can find discounts you qualify for to help you save on insurance costs. For example, you may be able to save on your insurance by:
 
  • Bundling: A home and auto insurance bundle can help you get a discount on your car insurance rate. To receive this benefit, you’ll need to insure your car and then add your golf cart. 
  • Paying in full: Choosing to pay for your annual insurance cost upfront instead of a monthly payment can get you a discount.
  • Getting safety certified: Completing safety courses for driver training or joining a qualified organization can help you save.

How to Insure a Golf Cart

Many insurance companies offer golf cart insurance, but we’re the only national auto and home insurance program endorsed by AARP. We offer flexible options, savings and expert advice.
 
You may be wondering, “What do I Need for a golf cart insurance quote?” The good news is, you can easily get a quote with the following information:
 
  • Names and driving history of drivers for your golf cart insurance policy
  • Details of your golf cart, including year, make, model and serial number
  • Information on your current insurance company, and how long you’ve had coverage
  • Your homeowners insurance policy number if you want to bundle it with your auto insurance
Our specialists or your local insurance agent can help you get the right protection for your golf cart. Call 888-546-9099 to get a quote today.
 
 
** Not all insurance products available in all states.
 
Additional disclosures below.
auto insurance definition

Car Insurance in Plain English

Quick answers and easy-to-understand auto insurance definitions written with you in mind.
 
To learn more, read through our auto insurance definitions page.

Coverage for Other Vehicles

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Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
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