Golf Cart Insurance in Florida: A Comprehensive Guide

Golf carts are popular modes of transportation in Florida, particularly in retirement communities and golf courses. However, many golf cart owners are unaware of the insurance requirements and options available to them. In this guide, we will discuss everything you need to know about golf cart insurance in Florida.

Is Golf Cart Insurance Required in Florida?

Yes, golf cart insurance is required in Florida for carts that are operated on public roads. According to Florida law, any vehicle that is operated on public roads must be insured, including golf carts.

If you plan on driving your golf cart on public roads, you must obtain the same minimum insurance coverage required for automobiles in Florida. This includes:

It is important to note that if your golf cart is not registered as a motor vehicle with the Florida Department of Highway Safety and Motor Vehicles, you may only be required to obtain liability insurance coverage.

What Does Golf Cart Insurance Cover?

Golf cart insurance in Florida typically covers the following:

• Liability: This coverage protects you if you cause an accident and someone else is injured or their property is damaged. Liability insurance is required by law in Florida.
• Collision: This coverage pays for damages to your golf cart if it is involved in a collision with another vehicle or object.
• Comprehensive: This coverage pays for damages to your golf cart caused by events such as theft, fire, or natural disasters.
• Uninsured/Underinsured Motorist: This coverage protects you if you are involved in an accident with someone who does not have insurance or does not have enough insurance to cover the damages.

How Much Does Golf Cart Insurance Cost in Florida?

The cost of golf cart insurance in Florida varies depending on several factors, including:

• The value of your golf cart
• The coverage options you choose
• Your driving history
• Your location

On average, golf cart insurance in Florida can range from $200 to $600 per year. However, this is just an estimate and your actual cost may be higher or lower based on the factors listed above.

Where Can I Buy Golf Cart Insurance in Florida?

Golf cart insurance is typically offered by the same insurance companies that provide coverage for automobiles. Here are some of the top insurance providers for golf cart insurance in Florida:

FAQs

Do I need a special license to drive a golf cart in Florida?

No, you do not need a special license to drive a golf cart in Florida. However, you must be at least 14 years old and have a valid driver’s license or learner’s permit.

Do I need to register my golf cart with the Florida Department of Highway Safety and Motor Vehicles?

If you plan on driving your golf cart on public roads, you must register it as a motor vehicle with the Florida Department of Highway Safety and Motor Vehicles. You will also be required to obtain the minimum insurance coverage required for automobiles in Florida.

Can I drive my golf cart on the sidewalk in Florida?

No, it is illegal to operate a golf cart on the sidewalk in Florida. Golf carts must be driven on the road or on designated golf cart paths.

What should I do if I am involved in a golf cart accident?

If you are involved in a golf cart accident, you should follow the same steps as you would in a car accident. This includes exchanging insurance information with the other driver, taking pictures of the damage, and contacting the police if necessary.

Do I need to renew my golf cart insurance policy annually?

Yes, golf cart insurance policies in Florida must be renewed annually.

In conclusion, golf cart insurance is required in Florida if you plan on driving your cart on public roads. The cost of golf cart insurance varies depending on several factors, and coverage typically includes liability, collision, comprehensive, and uninsured/underinsured motorist. If you need golf cart insurance in Florida, consider contacting one of the top insurance providers listed in this guide.