Golf carts have become a regular means of transportation within gated communities and vacation destinations. In some places, golf carts can be driven on the same roads as cars. And in certain states, you’re required to have liability coverage for your golf cart.

Adjusting a motorcycle policy to insure your golf cart

Some golf carts are eligible for coverage under a homeowners insurance policy, as long as you stay on your property. Others are eligible for some coverage as part of an auto insurance policy.

However, the best way to protect your golf cart is with an insurance policy than can be specially tailored for it. At Nationwide, the policy that can provide the most complete coverage for golf carts is a motorcycle policy that’s adapted for a golf cart.

Guest passenger liability

A common coverage option on motorcycle policies, guest passenger liability insurance works the same way for golf carts. If a passenger is injured in an accident, this coverage provides a specific limit for their claims.

Bodily injury liability

If you cause an accident and someone is injured, this coverage can help pay their medical bills and loss of income. Our bodily injury liability automatically includes coverage for guest passengers.

Property damage liability

This coverage helps pay for damages to another person’s vehicle or property, if you cause an accident.


Collision pays for damage to your golf cart if you hit another vehicle or object, another vehicle hits you, or your golf cart rolls over.


Also known as “other than collision,” this coverage can help pay for damage to your golf cart from vandalism, theft, weather events and falling objects.

Uninsured motorist

Helps protect you and your golf cart from uninsured drivers and hit-and-run accidents.

Underinsured motorist

Helps protect you from drivers who do not have enough insurance to cover the costs of an accident.

Medical payments

Medical payments can help cover medical costs for you and your passengers.

Optional golf cart insurance coverages

Custom equipment

Custom equipment coverage insures aftermarket parts and equipment that were installed after the golf cart left the manufacturer. This includes updates like custom bodies, lift kits and engine modifications.

Roadside Assistance

Our golf cart insurance comes with roadside ̶ and course-side ̶ assistance. An optional coverage, Roadside Assistance provides help with a flat tire, a jump or a tow.

On-road liability coverage for golf carts

We provide coverage for golf carts that are used on public roads. However, we can’t insure golf carts that are licensed for on-road usage in the following states, which have strict personal injury protection (PIP) requirements:
On-road liability coverage for golf carts
  • Washington, DC
  • Florida
  • Kentucky
  • Maryland
  • Michigan
  • Minnesota
  • New York
  • North Dakota
  • Oregon
  • Pennsylvania
  • Utah
  • Washington

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Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.