@Progressive Blog

Should You Insure Your Golf Cart?

Posted by Allison Ruuska on 10/6/2008 at 1:00 PM

Though your golf cart may not be your primary mode of transportation, you may still want to insure it with golf cart insurance.

If you own a golf cart, you may associate it with leisure activities — driving around the golf range, traveling around a gated or retirement community, or even just rolling around your property. Though golf carts aren't made for speed, they're still moving vehicles, which means they can still be damaged, and they can cause damage to property or even injure someone.


Sure, you most likely aren't taking your golf cart to the highway, but you may still benefit from golf cart insurance. Here's why.

When Golf Cart Insurance Can Protect You

Let's say you take your golf cart from the garage to the golf course that backs up to your house. You're driving around and the grass is mildly slick from morning dew, which causes you to skid and run into another cart. Not only did you dent both carts, the passenger of the other cart fell out and broke his arm. If you don't have golf cart insurance, you may be responsible for paying for the damage caused out of pocket.

Consider a situation in which you're driving around a gated community in your golf cart on your way to visit a friend. A squirrel runs in front of your cart, and you swerve to miss it, causing you to jump the curb and hit a light post. The front of your cart is badly damaged, and you can't drive it away from the scene. Without golf cart insurance, the damage may not be covered.

Finally, what if your golf cart is safely locked in your garage, but your teenager decides to take it for a spin while you're at work. Before he even gets it out of the garage, he accidentally bumps his friend, knocking him to the ground. His friend needs stitches and has a sprained ankle and wrist. Without golf cart insurance, you may be responsible for paying the medical bills.

Who Provides Golf Cart Insurance?

In some cases, your homeowners insurance might cover your golf cart, though coverage may include driving around on your property only. You may want to check your homeowners policy or contact your home insurance company to find out if golf carts are covered by your policy. If so, make sure you understand what kind of coverage your golf cart has, as it may be limited.

Select companies, such as Progressive, offer specialized golf cart insurance. With Progressive, golf cart insurance covers you no matter where you go — on or off your property. Keep in mind that a Progressive golf cart policy is actually a specialized type of motorcycle insurance, so if you choose to get a quote from us online, make sure you select "motorcycle/ATV" as the type of vehicle you'd like to insure.

Types of Golf Cart Insurance Coverage

With golf cart insurance from Progressive, you can choose from a variety of coverages that offer extensive protection for your golf cart. For instance, we offer the following types of coverage:

  • Bodily Injury and Property Damage Liability – Protects your passengers as well as anyone you might injure who's not riding in the golf cart by covering medical bills and other injury-related expenses, up to the limits that you choose.
  • Comprehensive – Covers your golf cart if it's damaged by circumstances other than a collision. For instance, if your house is flooded and your golf cart is submerged, damage to it is covered by Comprehensive coverage.
  • Collision – Covers your golf cart if it's damaged in a collision with another vehicle or object. In all of the examples given at the beginning of this article, Collision coverage would pay for the damage to your golf cart.
  • Medical Payments – Pays for specific medical bills or expenses for you or anyone in your golf cart or household who's hurt in a covered accident.
  • Transport Trailer – Covers damage to the nonmotorized trailer used to transport your golf cart.
  • Uninsured/Underinsured Motorist Bodily Injury – Covers you if someone else is at fault for an accident but they don't have insurance, or they don't have enough insurance to cover your injuries.
  • Uninsured/Underinsured Motorist Property Damage – Covers damage to your golf cart if someone else is at fault for the accident but they don't have insurance or they don't have enough insurance to cover your damages.
  • Roadside Assistance – Offers help, such as towing, if you're stranded in your golf cart.
  • Accessory Coverage – If you've added things to your golf cart, such as electronic equipment, radios, custom seats, etc., this coverage pays for any damage these may sustain. The first $3,000 is included, and you can purchase additional coverage if your accessories are valued at more than that.

Before you take to the streets — or even leave your driveway — in your golf cart, remember that covering it with golf cart insurance may be in your best interest. Progressive offers golf cart quotes 24/7 online and by phone, so make sure you see what kind of protection you can choose from to make your next golf cart excursion both enjoyable and safe!

The information in this blog may vary based on your particular state or situation. Always refer to your insurance policy for your specific coverages.

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Looking for quote for a 2000 Western Elegante golf cart
Posted on 12/31/2009 at 12:51 PM by Philip Anaya
@Philip, thanks for your comment. If you need a golf insurance quote today, please call a customer service rep at 800-776-4737. I'm checking to see if golf cart insurance quotes are also available online, and will respond early next week with instructions if they are.
Posted on 12/31/2009 at 1:44 PM by Brittany R.
@Philip, You can also get a golf cart insurance quote online. Start a motorcycle insurance quote, then from the list of vehicle types, select "golf cart" if available--golf cart insurance offerings vary by state.
Posted on 1/4/2010 at 1:57 PM by Brittany R.
Would i be covered on a public road (where allowed by law?)
Posted on 9/21/2012 at 1:34 PM by jeff
@Jeff: Unfortunately, we can't answer this question without more information. It depends on several criteria, including the vehicle itself and your state.
Posted on 9/25/2012 at 9:59 AM by Progressive
If I have golf cart insurance for my golf cart and I let someone use it, are they covered?
Posted on 10/22/2012 at 1:11 PM by Vickie
@Vickie: In most cases, we cover any driver who has your permission to use your vehicle. However, insurance laws vary from state to state. Please give us a call and we would be happy to review your policy and answer this question for you.
Posted on 10/24/2012 at 9:00 AM by Progressive

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