Everything You Need to Know About Insuring Your Low Speed Vehicle/Street Legal Golf Cart in Florida
Everything You Need to Know About Insuring Your Low Speed Vehicle/Street Legal Golf Cart in Florida

Everything You Need to Know About Insuring Your Low Speed Vehicle/Street Legal Golf Cart in Florida

September 3, 2022
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One of the requirements of a low speed vehicle in the state of Florida is that it must be insured. This is to protect you, the driver, and others on the road in case of an accident. Your low-speed vehicle is just like any other vehicle on the road when it comes to insurance requirements.

In this post, we’ll walk you through the ins and outs of insuring your low speed vehicle/street legal golf cart so you can hit the beach streets with peace of mind.

Insurance for Low Speed Vehicles - Street Legal Golf Carts

What is a low speed vehicle?

In Florida, a low speed vehicle is defined as a four-wheeled electric or gas-powered vehicle with a top speed between 20 and 25 miles per hour. This includes golf carts, utility vehicles, and neighborhood electric vehicles (NEVs).

Vivid EV - Street Legal Golf Carts - What is a low speed vehicle

Why do I need to insure my low speed vehicle?

In short, because it’s the law. In Florida, all low speed vehicles must be registered with the Department of Highway Safety and Motor Vehicles and must have insurance coverage at the time of registration.

What kind of insurance do I need for my low-speed vehicle?

Florida law requires that all low-speed vehicles be insured with property damage liability insurance and personal injury protection insurance in the following amounts:

  • Minimum $10,000 Property Damage Liability (PDL)
  • Minimum $10,000 Personal Injury Protection (PIP)
Golf Cart Accident - Golf Cart Insurance

What Insurance Companies Insure Low Speed Vehicles?

Not all insurance companies insure low-speed vehicles, so it’s important to do your research to find one that does. We’ve compiled a list of some of the top insurance companies that insure low-speed vehicles in Florida including a local company in Destin.

There you have it! Now that you know a little bit more about insuring your low speed vehicle in Florida, you can hit the road with confidence. Got more questions? We’ve got answers. Contact us today and we’ll be happy to help you navigate the world of LSVs/golf carts and insurance.

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John Hendricks
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We went down the lane, by the body of the man in black, sodden now from the overnight hail, and broke into the woods..
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