Understanding Golf Cart Insurance: How Much Coverage Do You Need?

by | Apr 23, 2024 | Vehicle, Watercraft & Recreational Vehicle


Golf carts have become increasingly popular as a means of transportation beyond the golf course in Louisiana. Many people use them for leisurely rides around the neighborhoods, campgrounds, and other recreational areas.

However, it’s important to understand that owning a golf cart comes with responsibilities, including having proper insurance coverage.

The Significance of Golf Cart Insurance

Imagine a scenario where you’re driving your golf cart and accidentally cause damage to someone’s property. Without adequate insurance, you could face significant financial liabilities.

Golf cart insurance protects you from paying out-of-pocket expenses in case of accidents, injuries, or property damage.

Moreover, in Louisiana, it’s legally required to have insurance if you plan to operate your golf cart outside of a golf course. Failing to comply with this requirement can result in penalties and legal consequences.

Getting Your Golf Cart Road-Ready

Before you can legally drive your golf cart on parish roads or municipal streets in Louisiana, you need to make sure it has all the necessary safety features, including:

  • Brakes that are in good working condition.
  • A steering system that is reliable and responsive.
  • Tires that are in good condition and suitable for the road.
  • A rearview mirror for increased visibility.
  • Red reflectors on the front and rear of the golf cart for better visibility to other drivers.
  • Headlights, turn signals, tail lights, and brake lights that are fully functional.

Once your golf cart is equipped with all these required safety gear, you need to register it with the Louisiana Department of Public Safety and Corrections, Office of Motor Vehicles. They’ll classify your golf cart as an off-road vehicle and give you a special decal to display on your cart.

This decal shows that you’ve registered your golf cart and are allowed to drive it on approved roads.

Don’t Forget the Golf Cart Insurance

Just like any other vehicle on the road, you need to have insurance for your golf cart. In Louisiana, the minimum coverage requirements are:

  • $15,000 for bodily injury per person
  • $30,000 for bodily injury per accident
  • $25,000 for property damage

These are just the bare minimum though. But consider your own situation. Sometimes, more coverage is the smarter choice.

How Much Golf Cart Insurance Do You Really Need?

The minimum coverage required by Louisiana law is a good starting point, but it may not be enough to fully protect you in case of an accident.

To determine the right amount of coverage for your specific situation, you’ll need to take a closer look at your personal risk factors and consider additional coverage options.

Everyone’s situation is different, so think about how you use your golf cart and what kind of risks you might face. Here are a few things to consider:

  • How often do you drive your golf cart, and where?
  • Do you regularly carry passengers?
  • What’s the value of your golf cart?

Additional Coverage Options to Consider

You may also want to consider adding extra coverage to your golf cart insurance policy. Two common options are:

  • Medical payments coverage: Helps cover medical costs if you or your passengers are injured in an accident.
  • Uninsured/underinsured motorist coverage: Protects you if an uninsured driver hits you.

Read Also: Golf Cart Safety: Tips for Safe Driving in Louisiana

Shopping for Golf Cart Insurance in Louisiana? Here’s What You Need to Know

When you’re ready to buy golf cart insurance, it pays to do your homework. Not all policies are created equal, and you want to make sure you’re getting the best coverage. Here are a few tips to help you find the right policy:

Get Quotes from Multiple Insurers

Don’t just go with the first insurance company you find. Take the time to get quotes from several different insurers so you can compare coverage and prices. This will help you find the best deal on golf cart insurance.

Consider Bundling Your Policies

If you already have other insurance policies, like car or homeowners insurance, ask your insurer if they offer golf cart coverage. Bundling your policies with one company can often lead to discounts and savings.

Work with a Local Insurance Agent

It also helps to work with someone who knows the ins and outs of Louisiana’s laws and regulations. A local insurance agent who specializes in golf cart coverage can help you navigate the process and find a policy that meets your needs.

Read Also: A Guide to Driving a Golf Cart in Louisiana

Get a Free Golf Cart Insurance Quote Today

Ready to get started? Our local insurance agency, with offices in Lafayette, Baton Rouge, Franklin, Lutcher, and Abbeville, is here to help. Contact us at TSL Insurance Group today for a free quote on golf cart or recreational vehicle insurance.

We’ll work with you to find a policy that meets your needs and fits your budget. Don’t wait until it’s too late – get the coverage you need to enjoy your golf cart in Louisiana with peace of mind.