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For more information or to request a quote, call The Hartford's Nutmeg Insurance Agency:
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 Hartford's Nutmeg Insurance Agency has you covered on the course. The Hartford's Nutmeg Insurance Agency can offer coverage for your gas or electric golf cart through a trusted specialty carrier. Find out how The Hartford can help protect your golf cart or get a quote today by calling Nutmeg Insurance at 800-555-2510.
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 coverage is important because it helps protect you from these kinds of risks.
How you use your golf cart affects how much coverage you may need. For example:
If you only drive your golf cart on a course, you may be eligible to add coverage as an endorsement to your homeowners insurance policy.
Is Golf Cart Insurance Required?
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's Nutmeg Insurance Agency, the following coverage options can help protect you if you’re in an accident:**
- Collision coverage to help pay to repair your golf cart after it gets damaged from hitting another golf cart or object.
- Comprehensive coverage, which helps cover you when your golf cart is damaged by a non-collision event, like a natural disaster.
- Uninsured/underinsured motorist bodily injury to help pay for medical expenses when you’re in an accident with another driver who doesn’t have enough insurance or enough coverage.
- Uninsured motorist property damage, which helps cover costs to repair your golf cart if you’re in an accident with an uninsured driver.
- Property damage liability to help pay for repairs to someone else’s golf cart if you cause an accident.
- Bodily injury liability, which helps cover another driver’s medical costs if you’re at-fault in a golf cart accident.
- Medical payments to help pay for medical expenses after an accident, like treatment, rehabilitation and dental costs.
- Guest passenger liability to help protect any guests in your golf cart.
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?
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 help find discounts that you qualify for, which can help you save money on insurance costs. For example, you may be able to save on your insurance by:
- 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.
Common Questions About Insurance for Golf Carts
Do You Need a Driver's License To Drive a Golf Cart?
Most states require drivers to have valid licenses to operate golf carts.
Do Golf Carts Need To Be Street Legal?
Golf carts only need to be street legal if you’re driving them on public streets. However, this isn’t allowed in all states.
Is a Golf Cart Covered Under Homeowners Insurance?
A golf cart isn’t typically covered under a standard homeowners insurance policy, so you’ll need a separate policy to stay protected.
How to Insure a Golf Cart
While many insurance companies offer golf cart insurance, The Hartford's Nutmeg Insurance Agency can help protect your gas or electric golf cart with flexible options, savings and expert advice for your specific needs.
You may be wondering, “What do I need for a golf cart insurance quote?” 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
Call Nutmeg Insurance at 800-555-2510 to learn more about your options.
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Last Updated: March 19, 2024
** Not all insurance products available in all states.
Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors and are subject to change. This Program is underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Southern Home Insurance Company in FL and LA, American Modern Home Insurance Company d/b/a American Modern Insurance Company (Lic. No 222-8) in CA, American Family Home Insurance Company in AR and GA (Personal Watercraft only) and American Modern Home Insurance Company in all other states, or by one of the licensed insurers of Foremost Insurance Company through Nutmeg Insurance Agency Inc. Nutmeg Insurance Agency Inc. is an affiliate of Hartford Fire Insurance Company, One Hartford Plaza, Hartford, CT 06155. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by the insurance companies of American Modern Insurance Group, Inc or Foremost Insurance Company.
Additional disclosures below.