Do I Need Insurance For My Golf Cart?

Owning a golf cart can be a lot of fun. You can take it out to the golf course and drive it around without having to worry about renting one. If you live in a small neighborhood, you can drive it around the streets to get to places, and it’s the perfect first vehicle for kids to learn to drive because it’s smaller and safer than putting them behind the wheel of an actual car. But what are the rules for owning a golf cart? Do you need to get insurance? Does it need tags? Is it safe to drive on the street? Let’s go over this together.

First let’s talk about the tags. If you have a car on the street, then it must have a tag. There is no way around it, scooters have tags, motorcycles have tags, golf carts should have tags if you want it to be street legal so you can drive around with no trouble. The only transportation that doesn’t need a tag is a bike or a skateboard, but those things should not drive on roads which is why they get away with not needing a tag.

Now for the insurance. Whether you should have insurance on your golf cart or not is a big question, and it all depends on where you live. Most states require you to have insurance on a vehicle you will use on roadways. But if you are just taking it to the golf course and then back home, it does not need insurance.

Putting grounds do not qualify as roadways so you will not get into trouble for driving your golf cart around the parking lot or the golf course without insurance as they consider it private property.

However, this does not mean that you shouldn’t get insurance for your golf cart, even if you are just planning on taking it to the putting grounds and then back home. There is a lot that can happen in between those two trips. If your golf cart becomes damaged on the way there or home, and you don’t have insurance on it, then you may be ineligible to have it fixed and you are without a golf cart.

So while it is not required to get insurance for your golf cart, there are many reasons to consider doing it anyway. If there is a collision on the golf course, if your golf cart becomes damaged, or if there is bodily damage, insurance will help pay for the medical bills so you do not have to.

If you plan on driving your golf cart on the street, then you will have to get insurance. If you are only planning on driving it on the putting grounds, then the decision is up to you and whether or not you think you will be needing it. But keep in mind, there are a lot of pros to getting your golf cart insured.

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