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LowSpeedVehicleInsurance

Compare Low Speed Vehicle Insurance in Texas

Texas splits low speed vehicles and golf carts into separate buckets. A titled LSV is generally insured like any other registered vehicle, while a golf cart may be eligible for a limited-use plate in certain areas.

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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.

Plated LSVs in Texas

  • LSVs are generally titled and registered, and owners are generally expected to carry at least the state's minimum auto liability coverage.
  • LSVs are generally limited to roads with speed limits of 35 mph or less.
  • Golf carts may be eligible for a golf cart license plate for use in master-planned communities, on beaches, or within a set distance of where they're kept, depending on local rules.

Golf carts and off-road use

  • A cart used only on private property or a ranch generally isn't subject to registration, but a liability claim from a guest or worker can still land on the owner.
  • Counties and cities can allow or restrict cart use on their own roads.

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 Texas quote

  1. Confirm the policy lists the vehicle as an LSV or a golf cart — the classification can change the price.
  2. If you use the cart on a ranch or farm, ask whether that use is acceptable to the carrier.
  3. Ask about uninsured motorist coverage; Texas lets you decline it in writing.

Get covered in Texas today

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

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Quick answers

+Can I insure a plated golf cart in Texas the same way as an LSV?

Not always. A golf cart with a limited-use plate and an LSV are generally different vehicle classes, and carriers may rate them differently. Tell the quote form exactly which one you have.

+Is my cart covered by my homeowners policy in Texas?

Homeowners policies generally limit or exclude motorized vehicles once they leave your property. Read your policy, or ask the person quoting you to explain what it may not include.