A Beginner's Guide to Golf Cart Insurance

Got questions about golf cart insurance? Arizona Ranch & Resort Cars is here to help. Read on for the answers to commonly asked questions about insurance. If you're in the market for a golf cart, check out our selection at our dealership in Prescott Valley, Arizona.

Does Arizona Require Golf Cart Insurance?

Yes, Arizona requires that every motor vehicle operated on roads be covered by insurance. This includes golf carts.

What Kind of Golf Cart Insurance Do I Need?

Arizona has established minimum levels that the golf cart insurance needs to cover. 

First, it needs to cover $25,000 bodily injury liability for one person and $50,000 for two or more people. If there is an accident involving your golf cart, and it results in injuries, this insurance helps cover their medical expenses.

Second, the golf cart insurance also needs to cover $15,000 of property damage. If you are legally responsible for damaging someone else's property with your golf cart, this insurance coverage helps you pay the damages.

Is There Additional Golf Cart Insurance Coverage I Can Get?

Golf cart insurance can also commonly include collision coverage. This helps pay for golf cart repairs caused by an accident, regardless of which driver is at fault.

Another common form of coverage is comprehensive coverage. This pays for golf cart repairs caused by weather damage or vandalism.

Will My Car or Home Insurance Be Enough?

No, golf carts are not usually covered by these types of insurance.

However, you may be able to "bundle" golf cart insurance with your existing coverage plans in order to get a discount.

For more information or to explore golf carts for sale, visit Arizona Ranch & Resort Cars. Our dealership is located in Prescott Valley, Arizona, and we also serve those in Flagstaff and Surprise.