Low Speed Vehicle Insurance (LSV) in Florida

Low-speed vehicles (LSVs) are a popular choice for Florida residents who enjoy convenient, eco-friendly transportation. Whether you use your LSV to get around your neighborhood in Miami, golf course community in Tampa, or local streets in Jacksonville, it’s important to make sure you’re fully covered. Having the right low-speed vehicle insurance in Florida protects you, your passengers, and your investment every time you hit the road.

What Is a Low-Speed Vehicle (LSV)?

In Florida, a low-speed vehicle is defined as a four-wheeled vehicle that can travel between 20 and 25 mph. LSVs are often modified golf carts or small electric cars designed for short-distance travel.

Under Florida law, LSVs are street-legal but must be registered and insured just like any other motor vehicle if driven on public roads. They can only be operated on streets with a posted speed limit of 35 mph or less.

Is Low-Speed Vehicle Insurance Required in Florida?

Yes. If your vehicle meets the definition of an LSV, Florida law requires you to carry insurance before driving it on public roads. The minimum required coverage is the same as for standard automobiles:

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

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

However, these minimums may not be enough to fully protect you in the event of an accident. Many LSV owners choose additional coverage for greater peace of mind.

What Does LSV Insurance Cover?

A Florida low-speed vehicle insurance policy can include several key protections:

  • Liability Coverage: Pays for injuries or property damage you cause to others.

  • Collision Coverage: Covers repairs to your LSV after an accident, regardless of fault.

  • Comprehensive Coverage: Protects against theft, vandalism, fire, or weather damage.

  • Medical Payments Coverage: Helps pay medical bills for you and your passengers.

  • Uninsured/Underinsured Motorist Coverage: Covers your costs if another driver causes an accident but doesn’t have enough insurance.

If you frequently drive your LSV on community roads or through golf course neighborhoods, this coverage can save you from unexpected financial burdens.

Benefits of Having the Right LSV Insurance in Florida

  • Compliance with state law – Avoid fines or registration issues.

  • Financial protection – Covers costly repairs and medical expenses after an accident.

  • Peace of mind – Drive confidently knowing you’re protected on and off the road.

  • Customized coverage – Tailored options for electric or gas-powered LSVs, including upgrades and accessories.

Why Choose Davis & Davis Insurance for Low-Speed Vehicle Insurance

At Davis & Davis Insurance, we understand Florida’s unique LSV insurance requirements and help you find the right protection at a competitive price. As an independent agency, we partner with top-rated insurance companies to compare coverage options and help you save.

Our team will:

  • Explain Florida’s LSV laws and insurance requirements

  • Customize your policy to match your vehicle and driving habits

  • Provide fast, accurate quotes with local, personalized service

Get a Free Quote for Low-Speed Vehicle Insurance in Florida

If you drive a street-legal golf cart, neighborhood electric vehicle, or other low-speed vehicle, make sure you’re properly protected. Contact Davis & Davis Insurance today for a free quote on low-speed vehicle insurance in Florida — and enjoy the ride knowing you’re covered.