Golf Cart Insurance

Ride protected on the course and in your community for as low as $75/annually*

Get a golf cart insurance quote online

Whether you use your golf cart from green to green or just around your gated community or condo complex, customized coverages from Progressive specialty golf cart insurance will protect you and your vehicle. We can cover you for virtually any non-commercial purpose and location.

Do you need golf cart insurance?

Insurance requirements for golf carts will vary by state, but it’s worth having a golf cart insurance policy even in states that don’t mandate one—especially if you plan to drive your golf cart around your neighborhood. Your homeowners insurance may not cover you away from the fairways, but golf cart insurance will.

What is the average cost of golf cart insurance?

Golf cart insurance rates will vary based on the coverages you select and the make and model of your golf cart. Your age and driving history will also factor into the price. Quote golf cart insurance online and see how affordable it can be. Policies start as low as $75/annually*.

Golf cart insurance discounts

We can’t lower your handicap, but we can lower your price for golf cart insurance. Here is a sampling of the many discounts Progressive offers:

  • Multi-policy: Bundle and save! We’ll add a discount to your golf cart policy if you already have auto, home, renters, boat, or RV insurance with Progressive.
  • Pay in full: We’ll add another discount simply for paying your golf cart policy up front and in full.
  • Responsible driver: If you’ve had no accidents or motor vehicle violations in the last three years, we’ll reward you with a discount for safe driving.
  • Homeowner’s discount: Earn a discount just for owning a home.
  • Prompt payment: If you’ve paid on time, we’ll say thank you with a discount. If you’re a new Progressive customer, we’ll automatically include it in anticipation of your timely payments.

What does golf cart insurance cover?

On or off the greens, find out how you’re protected with Progressive. These insurance coverages come standard with your policy:

Bodily injury and property damage liability

Although not required in every state, golf cart liability insurance can protect you if you’re liable because you injured someone or damaged their property while riding your golf cart. Your court costs and legal fees are also covered up to your policy’s limits.

Guest passenger liability

If passengers are injured while riding in your golf cart, guest passenger liability will pay for their injuries up to the limits of your policy.

Uninsured/underinsured motorist bodily injury and property damage

Covers you and any passengers while riding in your golf cart if you’re injured by another driver with no insurance or not enough insurance. You’re also covered if an uninsured or underinsured driver damages your golf cart.

Comprehensive and collision

If your golf cart is vandalized or stolen, comprehensive pays to repair or replace it. Additionally, comprehensive covers damage from a fire, hitting an animal, an act of nature or glass breakage. If you’re in an accident with another golf cart, object, or even a vehicle on the street, collision coverage will pay for your golf cart’s repairs or replacement.

If you’re financing your golf cart, your lender may require you to carry comprehensive and collision.

Medical payments

Medical payments coverage pays for your hospital bills if you or your passengers are injured in a golf cart accident. While medical payments are optional, coverage is vital if you or your passengers don’t have health insurance.

Accessory coverage

You may have added a radio, headlights, seat covers or even a custom paint job to your golf cart, and you’ll want to make sure your upgrades are covered. If you carry both comprehensive and collision on your golf cart policy, you’ll automatically earn $3,000 in accessory coverage. You can purchase additional coverage, if necessary, up to $30,000.