Cheap Golf Cart Insurance for 2026 (Save Big With These 10 Companies!)
USAA, Progressive, and Geico offer cheap golf cart insurance, with rates starting at $20 per month. USAA provides strong member perks for military families. Progressive offers flexible add-ons for modified golf carts. Geico keeps premiums low with reliable service and broad golf cart insurance options.
Read more
Secured with SHA-256 Encryption
Find the Lowest Car Insurance Rates Today
Quote’s drivers have found rates as low as $42/month in the last few days!
Table of Contents
Table of Contents
Feature Writer
Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, AllWo...
Rachel Bodine
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
Jimmy McMillan
Updated June 2025
6,589 reviewsCompany Facts
Min. Coverage for Golf Carts
A.M. Best Rating
Complaint Level
Pros & Cons
6,589 reviews
13,283 reviewsCompany Facts
Min. Coverage for Golf Carts
A.M. Best Rating
Complaint Level
Pros & Cons
13,283 reviews
19,116 reviewsCompany Facts
Min. Coverage for Golf Carts
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviewsThe top cheap golf cart insurance companies are USAA, Progressive, and Geico. USAA is a solid option if you’re in the military or have a military member in the family. It offers competitive rates, reliable claims service, and useful member benefits.
Our Top 10 Company Picks: Cheap Golf Cart Insurance
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $20 | A++ | Reliable Coverage | USAA |
 | #2 | $21 | A+ | Competitive Rates | Progressive |
 | #3 | $23 | A++ | Affordable Pricing | Geico |
 | #4 | $24 | B | Trusted Insurer | State Farm |
 | #5 | $25 | A+ | Customizable Policies | Allstate |
 | #6 | $27 | A++ | Comprehensive Coverage | Travelers |
 | #7 | $29 | A | Excellent Discounts | American Family |
 | #8 | $30 | A+ | Simple Claims | Nationwide |
 | #9 | $33 | A | Policy Options | Liberty Mutual |
 | #10 | $35 | A+ | Reliable Coverage | Farmers |
Progressive stands out if your golf cart has modifications, allowing tailored coverage similar to traditional auto insurance coverage. Geico rounds out the top three by offering low premiums and straightforward, user-friendly service, ideal if you’re seeking solid protection at a competitive price.
- USAA offers cheap golf cart insurance rates starting at $20 per month
- Customize golf cart insurance with liability and theft protection options
- Save more by bundling golf cart insurance with other policies
To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool to instantly compare prices from various companies near you.
Golf Cart Insurance Rates by Provider & Coverage
If you’re trying to pin down the cheapest golf cart insurance, this table is a great place to start. It compares monthly rates from major providers for both minimum and full coverage car insurance options.
USAA leads with the lowest prices, starting at just $20 for minimum coverage and $83 for full coverage, making it an ideal pick for eligible military families.
Golf Cart Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $25 | $85 |
| $29 | $110 |
| $35 | $105 |
| $23 | $95 |
| $33 | $98 |
| $30 | $100 |
| $21 | $90 |
| $24 | $97 |
| $27 | $92 |
| $20 | $83 |
Progressive and Geico also offer affordability, both starting in the low $20s. Geico’s full coverage rate caps at $95, which is still competitive. On the higher end, American Family and Farmers charge over $100 monthly for full coverage protection, which might make them better suited for those needing broader or more personalized coverage options.
If you’re focused on savings without sacrificing service, comparing providers like USAA, Progressive, and Geico gives you a solid shot at keeping costs down while still getting reliable protection for your golf cart.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Golf Cart Insurance Discounts by Provider
This table clearly shows the different car insurance discounts available when shopping for cheap golf cart insurance from top providers. Liberty Mutual stands out with the highest anti-theft discount at 35%, ideal if security features are important to you.
Golf Cart Insurance Discounts From the Top Providers
| Insurance Company | Anti-Theft | Bundling | Good Driver | Good Student | Loyalty |
|---|---|---|---|---|---|
 | 10% | 25% | 25% | 22% | 15% |
 | 25% | 25% | 25% | 20% | 18% |
 | 10% | 20% | 30% | 15% | 12% |
 | 25% | 25% | 26% | 15% | 10% |
 | 35% | 25% | 20% | 12% | 10% |
 | 5% | 20% | 40% | 18% | 8% |
 | 25% | 10% | 30% | 10% | 13% |
 | 15% | 17% | 25% | 35% | 6% |
| 15% | 13% | 10% | 8% | 9% |
 | 15% | 10% | 30% | 10% | 11% |
If you’re a consistently safe driver, Nationwide’s generous 40% good driver discount could make a significant difference. For families or students, State Farm offers a substantial 35% discount for good students, making it a great pick for younger drivers. Considering these car insurance discounts will help you pinpoint the best overall value for your needs.
Golf Cart Insurance Rates by Driving Record
This table breaks down golf cart insurance rates clearly, highlighting the cost differences based on your driving record. If you need cheap auto insurance for a bad driving record, USAA and Geico offer some of the lowest monthly rates, even with tickets, accidents, or DUIs.
Golf Cart Insurance Monthly Rates by Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $25 | $33 | $40 | $52 |
| $29 | $34 | $44 | $49 |
| $35 | $38 | $42 | $45 |
| $23 | $28 | $32 | $37 |
| $33 | $39 | $44 | $50 |
| $30 | $36 | $41 | $47 |
| $21 | $26 | $30 | $35 |
| $24 | $29 | $34 | $40 |
| $27 | $32 | $37 | $43 |
| $20 | $24 | $28 | $32 |
USAA is typically the cheapest across the board, so it’s an obvious choice, particularly if you are connected to the military. Another strong option for low rates, regardless of driving record, is Geico. By comparing these providers, you can select coverage friendly to your budget, irrespective of your driving record.
Golf Cart Insurance by Credit Score
This table clearly illustrates how your credit score affects your car insurance premiums, even for golf carts. USAA and Progressive consistently offer the most affordable rates regardless of whether your credit is good, fair, or bad, making them great choices if you want cheap golf cart insurance.
Golf Cart Insurance Monthly Rates by Provider & Credit Score
| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
| $25 | $30 | $38 |
| $29 | $34 | $42 |
| $35 | $40 | $50 |
| $23 | $28 | $36 |
| $33 | $39 | $48 |
| $30 | $36 | $45 |
| $21 | $26 | $34 |
| $24 | $29 | $37 |
| $27 | $32 | $41 |
| $20 | $24 | $30 |
Geico also offers competitive prices, particularly if your credit isn’t perfect. However, providers such as Farmers and Liberty Mutual hike premiums by hundreds of dollars for the lowest credit scores.
USAA stands out for its unbeatable affordability and exclusive military benefits, earning a 95% customer satisfaction rating.
Chris Abrams Licensed Insurance Agent
If getting the most out of your budget is a priority, looking to insurers like USAA or Progressive can help reduce the financial cost of a low credit score.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Golf Cart Insurance Coverage Options
The table gives you an easy breakdown of the different auto insurance coverage options specifically for golf carts. For basic protection, liability coverage is your go-to, since it handles injuries or damage you cause to others
Golf Cart Insurance Coverage Options
| Coverage | Description |
|---|---|
| Liability | Covers others’ injury or property damage |
| Collision | Damage from collision with vehicle/object |
| Comprehensive | Non-collision damage like theft, fire |
| Uninsured Motorist | Hit by uninsured or underinsured driver |
| Medical Payments | Covers medical costs, any fault |
| Personal Injury Protection | Medical and lost wages coverage |
| Accessory | Covers custom parts or modifications |
| Trailer | Covers trailer used for transport |
| Roadside Assistance | Towing or help during breakdown |
| Storage Insurance | Covers cart while in storage |
If you want broader coverage, collision and comprehensive coverage protect your car from accidents, theft, or fire.
Options like roadside assistance and accessory coverage add extra layers of protection if you often customize or transport your golf cart. Understanding these options makes choosing the right cheap golf cart insurance much easier.
Factors That Affect Golf Cart Insurance Premiums
Golf carts aren’t just for the course—they’re used in neighborhoods, resorts, and even for daily errands. But like any others, they need proper vehicle insurance. Understanding premium costs can help you get the right coverage without overspending. Insuring your golf cart costs depends on usage, location, and coverage level.
Golf Cart Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Insurance Provider Availability | A | Widely offered by major insurers. |
| Coverage Options | A | Includes comprehensive, collision, and liability. |
| Customization Coverage | A- | Covers modified or customized golf carts. |
| Discount Availability | B+ | Discounts for bundling, safety, and safe driving. |
| Ease of Claim Process | B+ | Generally smooth, varies by provider. |
| Cost of Insurance | B | Affordable, but pricing varies. |
| Theft Protection | B- | Some policies cover theft with add-ons. |
| State Requirements | C+ | Varies by state, causing confusion. |
Comparing rates and knowing what affects your premium can help you secure the best deal without overpaying. Your golf cart insurance cost depends on how and where you use it and the coverage you choose. Shopping around and knowing what affects your rate can help you save.
But it’s not just about the price—having the right coverage means protecting you from accidents, theft, and unexpected mishaps. Some insurers may offer lower rates if you only use your cart on private property or within a gated community, so it’s beneficial to shop for golf cart insurance online to quickly compare those specific rates.
Adding liability or comprehensive coverage can raise your premium, but these protections help avoid bigger expenses later on. Always compare quotes online and also double-check if your homeowners policy already covers your golf cart.
10 Cheapest Golf Cart Insurance Companies
Looking for the best golf cart insurance? We reviewed 10 top companies to find out who offers the lowest rates, best discounts, and strongest coverage. Whether you want military perks, flexible bundles, or local agent support, here’s how each insurer stacks up.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
#1 – USAA: Top Overall Pick
Pros
- Affordable for Military Members: USAA provides some of the lowest golf cart insurance rates based on your location and driving record for active military members.
- Bundling Discounts: You can find affordable golf cart insurance by bundling your coverage with other USAA policies, making it easier to manage your payments and save money at the same time.
- Comprehensive Coverage Options: Provides comprehensive golf cart insurance coverage for military families who value flexibility and protection, as highlighted in our USAA auto insurance review.
Cons
- Exclusive to Military Families: Coverage is limited to active-duty, retired military, and their families, excluding civilian applicants.
- Lacks Accessory Coverage: USAA doesn’t offer optional coverage for custom upgrades or golf cart accessories like enclosures or lift kits.
#2 – Progressive: Best for Competitive Rates
Pros
- Adjustable Coverage: Get cheap golf cart insurance that fits your budget and protection requirements.
- Affordable Rates: Offers some of the lowest prices for golf cart insurance, especially for safe drivers.
- Discount Opportunities: USAA golf cart insurance offers savings through bundling, safe driver rewards, and multi-policy discounts tailored for eligible members.
Cons
- Higher Rates for High-Risk Drivers: If you have past accidents or violations, your golf cart insurance may not be as affordable.
- Limited Local Support: Progressive auto insurance review shows that golf cart insurance is mostly handled online, which can be a drawback if you prefer working with local agents in person.
#3 – Geico: Best for Affordable Pricing
Pros
- Low Premiums: Geico is known for offering some of the most affordable rates for golf cart insurance.
- Convenient Online Tools: Geico lets you get golf cart insurance quotes, customize, and manage your policy entirely online or through the mobile app.
- Bundle Discounts: You can save more when you bundle your golf cart insurance with other policies, such as auto or home insurance.
Cons
- Limited Customization: Geico may offer fewer customization options for golf cart insurance compared to providers like State Farm.
- Minimal Agent Support: Geico’s auto insurance review notes that its golf cart insurance is handled mostly online, with no in-person agents for one-on-one support.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
#4 – State Farm: Best for Trusted Insurer
Pros
- Help from Real People: A local agent can help you find the best cheap insurance for a golf cart, matching coverage directly to your needs and budget.
- Extra Savings When You Bundle: Combine your golf cart policy with auto or homeowners insurance to cut costs.
- Trusted and Reliable: State Farm auto insurance reviews show strong customer satisfaction with golf cart insurance, especially for claim handling and dependable support.
Cons
- Not the Cheapest Option: Golf cart insurance from State Farm may cost more than Geico or Progressive, especially in low-risk areas.
- Limited Online Features: Golf cart insurance tools may lack the streamlined digital access found with tech-focused providers, making policy management less convenient.
#5 – Allstate: Best for Customizable Policies
Pros
- Many Ways to Save: Golf cart insurance discounts include bundling with home or auto, maintaining a clean driving record, and enrolling in automatic payments.
- Affordable Coverage Options: Allstate golf cart insurance offers basic liability and theft protection at low monthly rates, helping you avoid paying for unnecessary add-ons.
- Dependable Claims Support: Golf cart insurance policyholders report fast, fair claims handling, which is especially helpful after accidents, theft, or storm-related damage.
Cons
- Not Always the Cheapest: Some competitors may offer lower base rates for golf cart insurance.
- Mixed Customer Reviews: Allstate auto insurance review shows that golf cart insurance service quality can vary by location, with some customers reporting delays or uneven agent support.
#6 – Travelers: Best for Comprehensive Coverage
Pros
- Full Coverage Without the High Cost: Traveler’s auto insurance review shows you can get affordable golf cart insurance that includes liability, collision, and theft without paying too much.
- Extra Savings When You Bundle: Bundling your golf cart insurance premium with your home or auto policy can lower your premium, making it a cost-effective option for multi-policyholders.
- Trusted for Claims: Golf cart insurance is backed by a financially stable provider with a solid track record for paying claims quickly and fairly.
Cons
- Not the Absolute Cheapest: If you’re only looking for bare-minimum liability coverage, golf cart insurance rates may be higher than some competitors’.
- Online Experience Could Be Better: Managing your golf cart insurance policy online may feel limited compared to providers with fully digital platforms.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
#7 – American Family: Best for Excellent Discounts
Pros
- Significant Savings on Bundles: If you insure your golf cart under an auto or home policy, the insurer offers a discount. This option can bring down the overall premium by as much as 20%.
- Budget-Friendly Coverage: It provides dependable golf cart coverage for as low as $20 per month, so you can enjoy the great outdoors without worrying about high premiums.
- Flexible Policy Options: You can tailor your golf cart insurance with add-ons like theft protection or passenger liability, so you only pay for the coverage you’ll actually use.
Cons
- Availability Can Vary by State: Some golf cart insurance options, including discounts and coverage types, may not be offered in certain states or ZIP codes.
- Claims Process Can Take Time: American Family auto insurance reviews report that some customers’ golf cart insurance claims may take longer to process.
#8 – Nationwide: Best for Simple Claims
Pros
- Lower Deductible Over Time: Some golf cart insurance plans reward safe driving by gradually lowering your deductible the longer you go without a claim.
- Bundle for Bigger Savings: Combining your golf cart insurance with home or auto coverage can lead to lower rates, a benefit highlighted in our Nationwide auto insurance review.
- Reliable Coverage at a Fair Price: Provides reliable golf cart insurance at $30 a month and fair claims support.
Cons
- Not the Cheapest Upfront: While coverage is solid, some golf cart insurance providers offer lower entry-level rates for basic liability plans.
- Limited Local Agent Availability: Cheap golf cart insurance is often sold online, so finding nearby agents for in-person help may be difficult in some areas.
#9 – Liberty Mutual: Best for Policy Options
Pros
- Tons of Ways to Save: Cheap golf cart insurance often includes discounts for bundling, maintaining a clean driving record, and covering more than one vehicle.
- Flexible Coverage: Liberty Mutual lets you choose only the coverage you need—like liability, theft, or collision—so you’re not paying for unnecessary extras.
- Fast Claims Process: This golf cart insurance provider is known for quick claims handling, helping you get back on the road faster. Learn more in the Liberty Mutual company review.
Cons
- Not Always the Cheapest: While still affordable, some golf cart insurance options may start at slightly higher monthly rates compared to budget-focused competitors.
- Online Experience Could Be Better: Liberty Mutual may offer limited digital tools, making it harder to manage policies or file claims online smoothly.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
#10 – Farmers: Best for Reliable Coverage
Pros
- Helpful Local Agents: Get one-on-one support to find the best cheap golf cart insurance for your needs.
- Plenty of Discount Options: Cheap golf cart insurance often includes savings for bundling policies, maintaining a clean driving record, and insuring multiple vehicles together.
- Coverage That Fits You: Coverage That Fits You: You can choose between basic liability or full coverage. For flexible options, check the Farmers insurance review.
Cons
- Not the Cheapest Option: The average cost of golf cart insurance can vary since certain plans may initially cost more than basic liability-only policies but offer broader protection.
- Online Experience Lacks Features: It may offer limited online account tools, which can make it harder to adjust coverage or access documents easily.
How to Get the Best Golf Cart Insurance Policy
Finding cheap golf cart insurance comes down to knowing what coverage you need and where you’ll be using your cart. Whether it’s just for golf course use or occasional neighborhood trips, the right policy should fit your driving style.
If you only drive your golf cart in a gated community, ask your insurer about limited-use policies, which often cost less and still meet basic liability needs.
Dorothea Hudson Insurance and Finance Writer
Take the time to compare auto insurance companies that offer flexible coverage like theft protection, guest liability, or accessory options for upgraded carts. Don’t overlook discounts like bundling, safe use, or limited mileage savings, which can significantly lower your premiums. The goal isn’t just cheaper insurance, but a policy tailored exactly to your usage.
Explore your golf cart insurance options by entering your ZIP code into our free comparison tool today.
Frequently Asked Questions
What resources are available to help me understand golf cart insurance options?
Top insurers provide golf cart insurance resources like policy comparisons, coverage definitions, and legal requirements by state. For instance, Progressive’s online library includes guides on how to insure low-speed vehicles, and American Modern offers downloadable coverage sheets for specialty golf carts and utility carts.
What is the typical monthly cost of golf cart liability insurance in a coastal state like Florida?
In higher-risk areas like Florida, the golf cart liability insurance cost is generally around $25 to $30 per month due to higher street-legal usage, theft risk, and local regulations. Florida also requires additional coverage if the cart qualifies as an LSV, which can further raise the monthly rate.
Find your cheapest golf cart insurance quotes by entering your ZIP code into our free comparison tool.
How much does golf cart insurance cost each month for basic liability only?
If you’re just looking for liability protection, the cost of golf cart insurance starts at about $20 per month, as noted in the article. This typically covers bodily injury and property damage you cause to others. It’s the minimum requirement if your cart is used in a gated community, neighborhood roads, or private property that mandates proof of automobile liability coverage.
Where is the best place to buy golf cart insurance online, and what should I prepare?
You can buy golf cart insurance online directly from Geico, USAA, or Progressive. To get a quote, enter the cart’s VIN, make, model, and where you’ll drive it—like a golf course or public road. You can customize coverage, choose deductibles, and bundle with home or auto insurance.
What are the main differences between golf cart insurance policies offered by top providers?
Golf cart insurance policies vary significantly. For example, Geico may offer standalone liability policies for gated community use, while Progressive allows you to add custom parts coverage and uninsured motorist protection. USAA typically includes accident forgiveness and bundling discounts. Be sure to review deductibles, policy limits, and exclusions—especially if your cart is used outside a golf course.
Are there golf cart insurance agents near me who specialize in custom-use cases?
Yes, most national carriers have local networks of golf cart insurance agents near you. Agents are especially helpful if your use is non-standard, such as operating within an HOA, senior community, or using a modified street-legal cart. For in-person help, try ZIP code locator tools on Allstate, State Farm, or American Family websites to connect with a licensed specialist in your area.
How much does golf cart insurance cost if I only use it within a golf course community?
If your cart is limited to golf course paths or designated private trails, golf cart insurance costs can be as low as $20 to $22 per month. This assumes you choose a basic liability plan and store the cart in a secure area like a locked garage.
How much does it cost to insure a golf cart with multiple riders and passenger liability?
To ensure a golf cart that frequently carries passengers, you’ll likely need a policy that includes guest medical and personal injury liability, increasing monthly premiums to $30 to $35. Some insurers may require you to specify the average rider count or install safety features like a seatbelt to qualify for this coverage.
What is the average cost of golf cart insurance if I use my cart occasionally?
The golf cart insurance average cost for occasional use, like weekly golf outings or short community drives, is roughly $22 to $28 per month. If you rarely leave private grounds, don’t drive on public roads, and maintain a clean driving history, you’ll likely fall on the lower end of that scale.
What type of insurance is required for a street-legal golf cart in South Carolina?
If your cart is classified as an LSV in South Carolina, you’ll need insurance for street-legal golf carts, including liability, personal injury protection, and property damage. Coverage usually starts around $30 per month, and you must meet minimum auto insurance requirements under state law to drive it on public roads.
How much additional cost should I expect for golf cart theft insurance?
Which golf cart insurance companies offer the best value and flexibility?
How much is golf cart insurance if I also need coverage for accessories and upgrades?
How can I get golf cart insurance quotes that reflect actual use and location?
What does standard golf cart insurance coverage protect against?
Related Articles
Get a FREE Quote in Minutes
Insurance rates change constantly — we help you stay ahead by making it easy to compare top options and save.
Secured with SHA-256 Encryption