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What Does Golf Cart Insurance Cover?

Updated: April 2018

A golf cart insurance policy typically includes some basic coverages:

  • Property damage liability coverage
  • Bodily injury liability coverage
  • Collision coverage
  • Comprehensive coverage
These coverages may help pay to repair damage to your golf cart in certain situations. They may also help cover your expenses if you cause an accident that injures another person or damages their property.

Golf cart parked on a path.


An Allstate agent can answer coverage questions and help you find ways to protect what matters most.

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Do I Need Golf Cart Insurance?

Some states require golf cart insurance. In Arizona, for instance, golf cart owners are required by law to hold liability insurance if they use the vehicle on roads. So, be sure to check your state's laws to help determine if golf cart insurance is required where you live.

Even if you're not legally required to buy golf cart insurance, it may make sense for you to do so. Golf carts can get stolen or damaged, and they can also cause serious damage or injuries in an accident.

How May Golf Cart Insurance Help?

Here's a look at how each coverage in a golf cart insurance policy works:

Property damage liability. If you are found legally responsible for an accident that damages another person's property — a car or house, for instance — this coverage may help you pay to repair the damage.

Bodily injury liability. If you cause an accident that hurts another person, this coverage may help you pay for the other person's medical bills and other related expenses.

Collision coverage. This coverage may help you pay for repairs to your own golf cart, regardless of who is at fault, if you collide with another cart or another object in an accident.

Comprehensive coverage. If your golf cart is stolen or damaged by something other than a collision — fire or hail, for instance — this coverage may help pay to repair the damage.

There are other bells and whistles you may be able add to an insurance policy, too. For instance, some insurers offer coverage for custom parts like headlights or a stereo.

Auto and Home Insurance May Not Cover Golf Carts

Some people mistakenly assume that their existing insurance will help cover a golf cart. Check with your agent to be sure, but most standard homeowners policies provide little coverage for golf carts — especially once you leave the borders of your property. Likewise, a standard car insurance policy typically will not offer protection for your golf cart.

So, what kind of golf cart insurance coverage is available? Depending on where you live or who your insurer is, you may be able to add on an endorsement to your existing homeowners or car insurance policy to help better cover your golf cart. Or, you may choose to buy a policy specifically for your golf cart. Some insurance companies offer policies that are designed for golf carts, covering you just about anywhere your cart takes you — or even off-season while it's in storage. Check with your agent to learn what kind of insurance is available for your golf cart.

As with any insurance policy, coverage limits — the maximum your policy will pay out after a covered loss — will apply. It's important to understand what your policy covers and how much coverage it may provide in the event of a claim. You may also need to pay your deductible before your coverage kicks in.

Then, whether you plan to take on the sand traps and water hazards or just head out for a leisurely cruise, you can rest easy knowing there's available golf cart insurance that's right for you.

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This content is for informational purposes only and may not be applicable to all situations.

Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2019 Allstate Insurance Company, Northbrook, IL.
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