Cheap Golf Cart Insurance for 2025 (Save Big With These 10 Companies!)

The cheapest golf cart insurance providers are USAA, Progressive, and Geico, with rates starting at $12 a month. USAA is a top pick for military families, while Progressive and Geico offer flexible coverage and great customer service. They keep costs low without skimping on protection, so you get solid coverage without overspending. Whether you need basic liability or extra perks, these companies make saving easy.

Finding cheap golf cart insurance doesn’t mean settling for less. The right policy should balance affordability with auto insurance coverage, protecting you from unexpected costs. We’ve rounded up the top 10 providers offering great rates, flexible options, and reliable service.

Our Top 10 Company Picks: Cheap Golf Cart Insurance

The best golf cart insurance combines low rates with dependable coverage. Whether you need basic protection or a policy with extras, these top picks offer incredible value. Compare your options, find the right fit, and hit the road with confidence.

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#1 – USAA: Top Overall Pick

Pros

• Affordable for Military Members: USAA offers some of the cheapest golf cart insurance rates for active and military insurance.
• Bundling Discounts: You can save more by bundling your golf cart insurance with other USAA policies.
• Comprehensive Coverage Options: USAA provides affordable protection, including theft and liability, without breaking the bank.

Cons

• Exclusive to Military Families: USAA’s cheap golf cart insurance is available only to active and retired military members and their families.
• Not Open to the Public: If you don’t meet USAA’s eligibility requirements, you must find coverage elsewhere.

#2 – Progressive: Best for Customizable Cheap Golf Cart Insurance

Pros

• Adjustable Coverage: Customize your cheap golf cart insurance to match your budget and protection needs.
• Affordable Rates: Offers some of the lowest prices for golf cart insurance, especially for safe drivers.
• Plenty of Discounts: Save more with bundling, safe driver perks, and other discount opportunities.

Cons

• Higher Rates for High-Risk Drivers: If you have past accidents or violations, your cheap golf cart insurance may not be as affordable.
• Limited Local Support: Progressive mainly operates online, so in-person assistance is not always available.

#3 – Geico: Best for Affordable Rates

Pros

• Low Premiums: Geico is known for offering some of the most affordable rates for cheap golf cart insurance.
• Convenient Online Tools: You can easily manage your policy, get quotes, and file claims through their user-friendly website and mobile app.
• Bundle Discounts: You can save more when you bundle your golf cart insurance with other policies, such as auto or home insurance.

Cons

• Limited Customization: Coverage options may not be as flexible as some competitors.
• Minimal Agent Support: Geico primarily operates online, so in-person assistance is unavailable.

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#4 – State Farm: Best for Reliable Agent Support

Pros

• Help from Real People: A local agent can help you find the best cheap golf cart insurance.
• Extra Savings When You Bundle: Combine your golf cart policy with auto or homeowners insurance to cut costs.
• Trusted and Reliable: State Farm has a solid reputation for handling claims and keeping customers happy.

Cons

• Not the Cheapest Option: You might find lower rates with other companies depending on your location.
• Limited Online Features: Managing your policy online isn’t as smooth as with digital-first insurers.

#5 – Allstate: Best for Discount Opportunities 

Pros

• Many Ways to Save: Score discounts for bundling, safe driving, and auto-billing.
• Affordable Coverage Options: Get solid protection without overpaying for extras you don’t need.
• Dependable Claims Support: Known for handling claims fairly and getting you back on the road fast.

Cons

• Not Always the Cheapest: Some competitors may offer lower base rates for cheap golf cart insurance.
• Mixed Customer Reviews: Service quality can vary depending on location and local agents.

#6 – Travelers: Best for Comprehensive Coverage

Pros

• Full Coverage Without the High Cost: Traveler’s auto insurance gets affordable protection, including liability, collision, and more.
• Extra Savings When You Bundle: Combine your golf cart insurance with home or auto to cut costs.
• Trusted for Claims: Backed by a financially strong company known for reliable claim payouts.

Cons

• Not the Absolute Cheapest: Some companies may have lower rates for basic coverage.
• Online Experience Could Be Better: Managing your policy isn’t as seamless as with digital-first insurers.

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#7 – American Family: Best for Bundling Policies

Pros

• Significant Savings on Bundles: Combine your golf cart insurance with home or auto to score discounts.
• Budget-Friendly Coverage: Get solid protection at a price that won’t break the bank.
• Flexible Policy Options: Customize your coverage to fit your needs without paying for extras you don’t want.

Cons

• Availability Can Vary by State: Not all coverage options or discounts may be available in every location.
• Claims Process Can Take Time: Some customers report slower claim processing than other insurers.

#8 – Nationwide: Best Vanishing Deductibles

Pros

• Lower Deductible Over Time: Safe drivers can reduce their deductible with Nationwide’s Vanishing an Explanation Deductible Program.
• Bundle for Bigger Savings: Combine your golf cart insurance with home or auto to cut costs.
• Reliable Coverage at a Fair Price: Get affordable protection from a well-known and trusted insurer.

Cons

• Not the Cheapest Upfront: Some companies may offer lower starting rates for cheap golf cart insurance.
• Limited Local Agent Availability: In-person support may be harder to find, depending on where you live.

#9 – Liberty Mutual: Best for Specialized Discounts

Pros

• Tons of Ways to Save: Score discounts for bundling, safe driving, and insuring multiple vehicles.
• Flexible Coverage: Pick the protection you need without paying for extras you don’t.
• Fast Claims Process: Known for handling claims quickly so you can return to rideshare insurance.

Cons

• Not Always the Cheapest: Some companies may have lower starting rates.
• Online Experience Could Be Better: Managing your policy isn’t as smooth as with digital-first insurers.

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#10 – Farmers: Best for Personalized Coverage

Pros

• Helpful Local Agents: Get one-on-one support to find the best cheap golf cart insurance for your needs.
• Plenty of Discount Options: Save money with bundling, safe driving perks, and multi-policy discounts.
• Coverage That Fits You: Customize your policy to match your budget and the level of protection you want.

Cons

• Not the Cheapest Option: Some competitors may have lower starting rates for basic coverage.
• Online Experience Lacks Features: Managing your insurance policy online isn’t as smooth as with digital-first insurers.

Monthly Golf Cart Insurance Rates by Company

Finding the right golf cart insurance doesn’t have to be a hassle. Whether you need basic full coverage or full protection, comparing rates can help you save big. Check out the table below to see how different providers stack up on price and coverage.

Golf Cart Insurance Monthly Rates by Provider & Coverage Level

The right golf cart insurance should be affordable and fit your needs. Use these rates as a guide, and choose coverage that fits your budget and needs.

Best Golf Cart Insurance Discounts by Provider

Why pay more when you can save? Many top providers offer discounts that can lower your golf cart insurance costs. Check out the table below for the best ways to cut your premium and keep more money in your pocket.

Golf Cart Insurance Discounts From the Top Providers

Getting cheap golf cart insurance is easier when you know where to find the best discounts. Compare your options, stack your savings, and enjoy the ride for less!

Golf cart insurance covers you if your cart gets stolen, damaged, or involved in an accident. While some homeowners or auto policies offer limited coverage, a separate golf cart policy provides better protection. Whether cruising around the neighborhood, hitting the golf course, or driving on public roads, the right coverage can save you from expensive repairs or liability costs. Plus, with plenty of discounts and flexible options, you can get the protection you need without overspending.

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Golf Cart Insurance Premiums Ranked

Golf carts aren’t just for the course—they’re used in neighborhoods, resorts, and even for daily errands. But like any vehicle insurance, they need proper insurance. Understanding premium costs can help you get the right coverage without overspending.

Golf Cart Report Card: Auto Insurance Premiums

Insuring your golf cart costs depends on usage, location, and coverage level. Comparing rates and knowing what affects your premium can help you secure the best deal without overpaying.

Your golf cart insurance cost comes down to how and where you use it, plus the coverage you choose. Shopping around and knowing what affects your rate can help you save. But it’s not just about the price—having the right coverage means protecting you from accidents, theft, and unexpected mishaps.

Explore your auto insurance options by entering your ZIP code into our free comparison tool today.

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