Golf cart & LSV insurance in Florida

Florida golf-cart and LSV rules and registration

Florida is the nation's golf-cart capital. Thousands of golf carts and Low-Speed Vehicles operate daily in retirement communities, planned neighborhoods, and municipalities. Florida law (Fla. Stat. 320.86) permits golf carts on public roads that have a 35 mph speed limit or less, and LSVs (top speed under 25 mph) on roads with speed limits up to 45 mph, subject to local ordinance variation.

• Golf cart definition. four-wheel vehicle under 14 mph; operated on designated roads and in communities
• Low-Speed Vehicle (LSV) definition. enclosed, four-wheel vehicle with top speed 20–25 mph
• Registration and title. required in Florida; golf carts and LSVs must be registered with the DMV to operate legally
• Insurance requirement. Florida law requires liability insurance (minimum $100,000 per person and $300,000 per occurrence) for any golf cart or LSV registered for road use
• Local ordinances. cities and counties may have additional rules; The Villages and other planned communities set their own cart-use policies and insurance minimums

Required and recommended Florida golf-cart coverage

Florida law requires bodily injury and property damage liability insurance for any golf cart or LSV registered for public-road use. Most carriers offer additional optional coverages that protect your cart and passengers.

• Bodily injury liability (required). minimum $100,000 per person and $300,000 per occurrence; covers injuries you cause
• Property damage liability (required). covers property damage you cause to others
• Medical payments (optional). covers you and passengers regardless of fault, up to your chosen limit
• Collision (optional). repairs or replaces your cart after an accident
• Comprehensive (optional). covers theft, fire, vandalism, and weather damage
• Uninsured motorist (recommended). protects you if hit by an uninsured or hit-and-run driver

Golf carts in The Villages and planned communities

The Villages, near Ocala, is home to over 100,000 residents and has one of the world's largest golf-cart networks, with over 3,000 miles of golf-cart paths. The Villages and other large planned communities set their own minimum insurance requirements — often higher than Florida's state minimums. Before buying a home or cart in these communities, confirm the insurance minimums and ensure your policy meets them.

Homeowners insurance does not cover golf carts

Standard homeowners liability policies exclude golf carts and LSVs operated on public roads or at commercial venues. Even if your community permits free golf-cart use, your homeowners policy will not pay for injuries or damage you cause while operating a cart. You must carry dedicated golf-cart insurance to close this gap.

Why buy Florida golf-cart insurance through Maru

Golf-cart insurance in Florida is a high-volume, competitive market — rates vary significantly by carrier, coverage choice, and your cart type. Maru compares carriers writing golf-cart policies in your community, helps you understand Florida's legal minimums and your local community's additional requirements, and finds you the best rate for the coverage you need. A licensed local advisor handles everything at no added cost.

Frequently asked questions

Vadim — Maru Insurance
Licensed independent insurance agent · WA & FL
Written and reviewed by a licensed Maru advisor. Maru Insurance is an independent agency (WA License WAOIC #1365574, FL License #G363233) representing multiple A-rated carriers across Washington and Florida.