Quick Summary: In Florida, you must carry insurance if your golf cart is made street‑legal, and it’s highly recommended even for non–street‑legal carts—especially in golf‑cart‑friendly communities like Jupiter, Palm Beach Gardens, and The Villages. Accidents happen more often than people think, and without proper coverage, you could be on the hook for injuries, property damage, or lawsuits.

Florida Golf Cart Rules: What You Need to Know

Florida law separates “golf carts” from “low‑speed vehicles” (LSVs):

• Golf Carts: Typically max out around 20 mph. Not required to have insurance unless converted to LSVs or driven on designated public roads.
• Low-Speed Vehicles (LSVs): Can go 20–25 mph, must be registered and insured like a standard vehicle.

If you’ve added headlights, taillights, mirrors, turn signals, or other upgrades to make your cart street‑legal, you’re now in LSV territory—and coverage becomes mandatory.

Why Insurance Is Still Recommended for Regular Golf Carts

Even if your cart stays off public streets, accidents can easily occur on community paths, golf courses, and neighborhood roads. Common risks include:

• Colliding with another cart or vehicle
• Passenger injuries
• Damage to someone’s landscaping, home, or property
• Liability claims that could turn expensive quickly

Your homeowners policy may offer limited protection—but often only when the cart is operated on your own property. Once you take it into the neighborhood or onto shared paths, you may not be covered at all.

That’s why many Florida communities with heavy golf cart use—like Jupiter, Palm Beach Gardens, and The Villages—strongly encourage owners to carry dedicated golf cart insurance.

What Insurance Do You Need?

At Cornerstone Insurance Advisors in Jupiter, FL, we help Florida residents find tailored protection for their golf carts and LSVs. Most owners benefit from:

• Liability coverage – protects you if you injure someone or damage property
• Collision & comprehensive – covers damage to your golf cart
• Uninsured motorist – essential in Florida’s high‑risk environment
• Medical payments – helps with injury-related expenses

Learn more here:

• Golf Cart Insurance
• Personal Liability Coverage

Ready for a Fast, Local Quote?

If you live in Jupiter, Palm Beach Gardens, The Villages, or anywhere in Florida, we’ll help make sure you’re fully protected. Contact Cornerstone Insurance Advisors for a quick quote today—we’re here to help you ride with confidence.