Do You Really Need Golf Cart Insurance?
Yes, you do—especially in Colorado. Golf carts aren’t just for the course anymore. People use them in neighborhoods, parks, and even around town. That means more risk. Accidents happen. Golf cart insurance protects your ride, your wallet, and other people.
What Golf Cart Insurance Covers
Insurance can vary, but here are the basics.
Liability Coverage
This covers damage or injury you cause to others. It’s the most important type of coverage. Some places require it by law.
Collision Coverage
If you hit something—like a fence, a mailbox, or another vehicle—this helps pay for repairs.
Comprehensive Coverage
Covers things like theft, fire, hail, or vandalism. A must-have if your cart is parked outside often.
Medical Payments
Helps with medical bills if you or your passengers get hurt in an accident.
Uninsured Motorist Coverage
If someone without insurance crashes into you, this kicks in to help.
Is Insurance Required in Colorado?
It depends. If you have a street legal golf cart or used in public areas, you likely need insurance. Private property? Maybe not, but it’s still smart to have coverage. Always check with your local laws and HOA rules.
Best Golf Cart Insurance in Colorado
Looking for solid options? Here are some top picks for Colorado residents.
State Farm
Good for bundling with your home or auto. Offers liability, collision, and more.
Progressive
Known for flexible plans. Offers low rates and easy online quotes.
GEICO
Solid coverage and quick claims. Discounts if you already have a policy with them.
Farmers Insurance
Great for custom carts and extra gear. Offers local agents in Colorado.
Foremost (A Farmers brand)
Specializes in recreational vehicles. Offers coverage tailored for golf carts.
Tips for Getting the Best Rates
Shop around. Compare at least three quotes. Bundle with other insurance to save more. Keep a clean driving record. Store your cart safely to lower risk.
Road-Ready Carts Cost More
If your golf cart is street-ready with lights, signals, and a VIN, expect higher premiums. But you also get more protection.
Custom Carts Need More Coverage
Lift kits, paint jobs, and big sound systems add value. Make sure your policy covers all those extras.
Final Thoughts on Golf Cart Insurance
Golf cart insurance is a small price to pay for peace of mind. Whether you drive around the block or across town, protect your cart and yourself. If you’re in Colorado, you’ve got options. Just make sure to choose a policy that fits your lifestyle.
Disclosure: Laws and insurance requirements for golf carts can vary by city, county, and state. Always do your own research or contact your local DMV, law enforcement, or insurance provider to understand what’s required in your area. What applies in one part of Colorado may not apply in another. When in doubt, it’s best to ask a professional to avoid fines, legal issues, or lack of coverage.
