Jacksonville Golf Cart Insurance
Golf Cart & LSV Insurance
Street-Legal Golf Carts, Neighborhood Electric Vehicles (NEVs), and Low-Speed Vehicles (LSVs): What You Need to Know
Many residents in Duval and St. Johns enjoy the convenience of street-legal golf carts, NEVs, and LSVs for local transportation. While these vehicles are popular, standalone insurance policies for them can be challenging to secure. Few carriers offer dedicated coverage at reasonable rates—or at all.
The best approach? Combine your golf cart or LSV/NEV coverage with an auto insurance policy. At First Beaches Insurance, we can bundle your auto and golf cart insurance to find a policy that works for you. Let us quote your coverage today—we’re here to help protect your ride and give you peace of mind.
Why Golf Carts Are So Popular in Jacksonville and Beyond
The First Coast offers ideal conditions for golf cart use: warm weather, planned communities, and scenic neighborhoods. From retirees to families, golf carts provide a convenient, cost-effective alternative to traditional vehicles. Here’s why they’re so popular:
- Eco-Friendly Transportation: Street-legal golf carts, even gas-powered ones, produce fewer emissions than standard vehicles.
- Affordable Ownership: Golf carts cost less to buy, fuel, and maintain compared to passenger cars.
- Safety Benefits: With speeds typically maxing out at 20–25 mph, golf carts reduce the likelihood and severity of accidents.
- Customizable Fun: From lift kits to premium seating, customizations add to the enjoyment of owning a golf cart.
Whether used for errands, recreation, or transportation around your community, golf carts are a perfect fit for the Jacksonville lifestyle.
Florida’s Golf Cart and LSV Regulations
Before hitting the road, it’s crucial to understand Florida’s regulations for golf carts and LSVs. While golf carts are not always street-legal, low-speed vehicles (LSVs) are designed for public roads and must meet specific safety requirements.
Key Florida regulations include:
- Road Restrictions: LSVs can only operate on roads with a posted speed limit of 35 mph or less. They may cross roads with higher limits but cannot travel along them.
- Required Equipment: Street-legal LSVs must have headlights, turn signals, taillights, seatbelts, windshields, and vehicle identification numbers (VINs).
- Driver’s License: Operators must hold a valid driver’s license and follow all road laws.
- Insurance Coverage: Florida law requires LSVs to carry adequate insurance coverage for liability, injury, and property damage.
Failure to adhere to these rules can result in fines or penalties, so it’s important to stay informed and compliant.
Why You Need Golf Cart Insurance in Jacksonville
Golf cart insurance isn’t just about protecting your investment—it’s about safeguarding yourself and others. Here’s why it’s essential:
- Accident Protection: Covers injuries to passengers and damage to property in the event of an accident.
- Liability Coverage: Protects your assets from costly legal claims.
- Theft and Damage: Ensures your cart is covered in case of vandalism, theft, or unforeseen damages.
Florida mandates minimum coverage requirements for LSVs. At First Beaches Insurance, we’ll guide you through the options for golf cart insurance and help you decide whether you need additional coverage to protect your assets.
Get the Right Coverage for Your Golf Cart
First Beaches Insurance specializes in insuring street-legal golf carts, NEVs, and LSVs. Whether you need a standalone policy or want to bundle with your auto insurance, we’ll help you find coverage tailored to your needs.
Contact us today to learn more about golf cart insurance options and protect your ride!