How Street Legal Golf Cart Insurance Differs From Standard Auto Insurance  

As golf carts become more common on public roads, it’s essential to understand how their insurance coverage differs from traditional auto policies. While there are some similarities, key differences highlight the unique characteristics and risks associated with street-legal golf carts.

Street Legal Golf Cart Insurance in Orlando, FL

Street-legal golf cart insurance typically includes familiar coverage types such as liability, collision, comprehensive, medical payments and uninsured motorist protection. However, the coverage limits are generally lower than those found in standard auto insurance. This is because golf carts operate at lower speeds and are less likely to cause severe damage or injuries in an accident.

Another significant difference lies in state requirements. While auto insurance is mandatory in nearly all states for vehicles on public roads, golf cart insurance requirements vary. In many states, insurance is only required if the golf cart is modified to meet street-legal standards and driven on public roads.

Premiums for golf cart insurance are also typically much lower than auto insurance, reflecting the reduced risk and limited usage. Lastly, accessory coverage is more common in golf cart policies, protecting custom parts and modifications that are popular among owners.

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While street-legal golf cart insurance is similar to auto insurance in structure, it is tailored to the unique characteristics of these smaller, slower vehicles. For golf cart insurance near you, contact Florida Insurance Group.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.