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LowSpeedVehicleInsurance

Compare Low Speed Vehicle Insurance in Florida

Florida has more registered low speed vehicles than almost anywhere, and the state treats a titled LSV much like a car when it comes to insurance. That makes the quote process a little different from a golf cart that never leaves the community.

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Informational only. This article does not constitute insurance, legal, or financial advice. Coverage terms vary by carrier, policy, and jurisdiction. Full disclaimer.

Florida street-legal LSV? Calling is usually faster.

Because PIP generally applies to titled LSVs, many carriers decline to write them online. The quote line can usually find a market that may write the policy while you're on the phone.

Call 866-347-8683

Plated LSVs in Florida

  • A street-titled LSV is generally registered and plated through the state, and the owner is typically expected to carry Florida's required no-fault coverages: personal injury protection (PIP) and property damage liability.
  • LSVs are generally limited to roads with posted speed limits of 35 mph or less.
  • The operator generally needs a valid driver license.

Golf carts and off-road use

  • A golf cart that is not converted and titled as an LSV is generally restricted to areas a county or city has designated for golf cart use.
  • Local ordinances in many communities set their own age, lighting, and daylight-hour rules for carts.

Rules change and vary by city and county. Confirm current requirements with the state motor vehicle agency and your local government before relying on any of the above.

What to compare on a Florida quote

  1. Ask whether the quote includes PIP and property damage liability at the levels a titled LSV needs.
  2. Compare bodily injury liability limits — Florida's minimums don't require it, but many owners add it.
  3. Check whether custom wheels, lift kits, and enclosures are listed as accessories.

Get covered in Florida today

Start the 3-step quote with Florida pre-selected, or call the Florida quote line at 866-347-8683.

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Quick answers

+Why is it harder to get an online quote for a Florida LSV?

Florida's no-fault rules generally bring PIP into the picture once an LSV is titled for the road. Fewer carriers file that combination for low speed vehicles, so online quote tools often stop short. Calling the quote line is generally the quickest route.

+Does a golf cart that stays inside my community need insurance in Florida?

A cart used only in a designated area may not face a state insurance mandate, but HOAs and community associations often require proof of liability coverage. Check your community rules before you assume you can skip it.