Golf Cart Insurance in Yulee

Florida is one of the most popular states in the country for golf cart use—not just on the greens but in many residential communities, retirement neighborhoods, and even public streets. With warm weather year-round and golf cart-friendly towns like The Villages, it's no surprise that golf carts are a preferred mode of transportation for many Floridians.

However, what many residents don’t realize is that their golf carts might not be fully covered by their homeowners or auto insurance policies. That’s where Golf Cart Insurance comes in.

Is Golf Cart Insurance Required in Yulee?

In Florida, golf cart insurance is not legally required if the cart is only operated on golf courses or private property. However, if your golf cart is classified as a “low-speed vehicle” (LSV) and you plan to drive it on public roads (with speed limits of 35 mph or less), Florida law requires you to carry minimum auto insurance, including:

  • $10,000 in Personal Injury Protection (PIP)

  • $10,000 in Property Damage Liability (PDL)

Additionally, the LSV must be titled, registered, and equipped with features like headlights, taillights, seat belts, and mirrors.

Even if you’re only driving within a gated community, HOA rules, community guidelines, or your own peace of mind may lead you to purchase insurance for protection against accidents, theft, or damage.

What Does Golf Cart Insurance Cover?

Golf cart insurance typically offers protection similar to auto insurance but tailored to golf cart risks. Common coverages include:

✅ Liability Coverage – Covers damage or injuries you cause to others.

✅ Collision Coverage – Pays for damage to your golf cart from a collision.

✅ Comprehensive Coverage – Protects against non-collision risks like theft, vandalism, or storm damage.

✅ Medical Payments – Helps pay for medical expenses for you or your passengers after an accident.

✅ Uninsured/Underinsured Motorist Coverage – Protects you if you’re hit by someone without sufficient coverage.

Why You Should Consider Golf Cart Insurance in Yulee

Even though it might not be mandatory in every situation, here’s why golf cart insurance is a smart investment:

  • Accidents Can Happen Anywhere – Whether on the golf course or in your neighborhood, accidents involving golf carts can cause costly property damage or injuries.

  • Protection Against Theft & Vandalism – Golf carts can be an easy target for theft, especially in vacation or retirement communities.

  • Peace of Mind – Knowing you’re covered allows you to enjoy your ride without unnecessary worry.

  • Affordability – Golf cart insurance is generally very affordable, especially when bundled with your homeowners or auto policies.

Golf carts are a fun and practical part of life in Florida, but accidents, theft, and unexpected costs can quickly turn enjoyment into a financial headache. Whether you're cruising around your community or heading to the nearest fairway, golf cart insurance is a wise and affordable way to protect yourself, your passengers, and your investment.

For help finding the right golf cart insurance policy in Yulee, contact us to answer questions about Florida laws and coverage options.

Call Today (904) 593-7002