Golf Cart Insurance Florida

Golf carts are more than just a fun way to get around the golf course — in many Florida communities, they’re a convenient and popular mode of transportation. Whether you’re driving through your neighborhood in Fort Lauderdale, to the beach in Daytona, or around a retirement community in The Villages, having the right golf cart insurance in Florida is essential for protecting yourself, your passengers, and your investment.

Why You Need Golf Cart Insurance in Florida

Many Florida residents are surprised to learn that standard auto or homeowner’s insurance policies often don’t cover golf carts when used off private property or on public roads. Florida law may not always require insurance for golf carts, but coverage is highly recommended — and in some cases, it’s required, especially if your golf cart has been modified for street use.

Without proper insurance, you could be personally responsible for:

  • Bodily injury or property damage you cause in an accident

  • Theft, vandalism, or fire that damages your golf cart

  • Medical expenses for yourself or passengers after a crash

  • Uninsured motorist claims, if you’re hit by someone without insurance

What Does Florida Golf Cart Insurance Cover?

A comprehensive Florida golf cart insurance policy can include:

  • Liability coverage – Protects you if you cause injury or damage while driving your golf cart.

  • Collision coverage – Pays for repairs to your cart after an accident.

  • Comprehensive coverage – Covers theft, fire, vandalism, or weather damage.

  • Medical payments coverage – Helps cover medical bills for you and your passengers.

  • Uninsured/Underinsured motorist coverage – Protects you if another driver causes damage but doesn’t have enough insurance.

Whether your golf cart is gas or electric, used on or off the golf course, coverage can be tailored to fit your needs and budget.

Why Choose Davis & Davis Insurance for Golf Cart Insurance

At Davis & Davis Insurance, we specialize in helping Florida residents find the right coverage for all types of vehicles — including golf carts. As an independent insurance agency, we work with multiple top-rated carriers to find the best golf cart insurance rates in Florida and ensure you get the protection you deserve.

Our experienced team can help you:

  • Compare quotes from multiple insurers

  • Understand Florida’s golf cart insurance laws

  • Customize your policy for your lifestyle and community

Get a Free Golf Cart Insurance Quote in Florida

Don’t take chances with your golf cart — protect it with the right insurance coverage. Whether you use your golf cart around the neighborhood, on the course, or for errands around town, we’ll help you stay protected and compliant with Florida regulations.