low sped vehicle (LSV) INSURANCE
Street legal golf cart insurance
In Florida, low-speed vehicles can drive at 25 mph or less but not over the posted speed limit.
Do low-speed vehicles in Florida need insurance?
Yes, low-speed vehicles aka street-legal golf carts are required to have liability insurance in Florida. This type of insurance protects the operator of the low-speed vehicle in the event of an accident. The policy covers damages to other vehicles or property. It is vital to have adequate liability insurance to protect yourself and others on the road.
To operate a low-speed vehicle on Florida roads:
- the vehicle must be registered and titled (more details below)
- the operator must have a valid driver’s license, and
- the owner must carry accident liability insurance.
A street-legal golf cart has safety features not required on the golf course:
- Headlamps;
- Front and rear turn signals;
- Stop lamps;
- Tail lamps;
- Reflex reflectors, red – one on each side and one on the rear;
- Exterior mirror on the driver’s side and an interior rear-view mirror or exterior mirror on the passenger side;
- Parking brake;
- Windshield;
- Seat belt for each designated seat; and a
- Vehicle identification number (VIN).
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Further, Low-speed vehicles are not allowed on roads with posted speed limits of more than 35 miles per hour unless they cross the road at an intersection.
Your LSV must also be titled & registered with the state of Florida.
- Manufacturer’s Certificate of Origin (Hobbyists can convert golf carts to an LSV by following the Converted Golf Cart procedures found on the FLHSMV site.)
- Completed Application for Title (HSMV 82040)
- Proof of Florida insurance (minimum $10,000 PDL and $10,000 PIP)
- Identification – driver’s license, ID card, or passport
- Title fee, Plate fee, Initial registration fee, if applicable, Registration fee (varies by weight of vehicle)
Frequently Ask Question
LSV insurance is a type of insurance that covers low speed vehicles. Low speed vehicles are defined as vehicles that have a top speed of 20 miles per hour or less and are not designed for use on public roads. LSV insurance can cover the cost of repairs or replacement if your LSV is damaged or stolen, as well as the cost of medical expenses if you or someone else is injured in an accident involving your LSV.
The cost of LSV insurance in Florida varies depending on a number of factors, including the make and model of your LSV, your driving record, and the county in which you live. In general, LSV insurance is less expensive than car insurance.
The benefits of having LSV insurance in Florida include:
- Peace of mind knowing that you are financially protected if your LSV is damaged or stolen
- Coverage for medical expenses if you or someone else is injured in an accident involving your LSV
- Protection from liability if you are found at fault in an accident involving your LSV
The requirements for LSV insurance in Florida are as follows:
- You must be at least 16 years old to operate an LSV in Florida.
- Your LSV must have a valid Florida license plate.
- You must have LSV insurance with at least $10,000 in liability coverage.
- You must have a valid driver’s license.
- You must obey all traffic laws.
The coverage options for LSV insurance in Florida vary from policy to policy. Some common coverage options include:
- Collision coverage: This coverage pays for the cost of repairs or replacement if your LSV is damaged in a collision with another vehicle.
- Comprehensive coverage: This coverage pays for the cost of repairs or replacement if your LSV is damaged by something other than a collision, such as theft, vandalism, or a natural disaster.
- Liability coverage: This coverage pays for the medical expenses and property damage of others if you are found at fault in an accident.
- Medical payments coverage: This coverage pays for your medical expenses, regardless of who is at fault in an accident.
You can get LSV insurance from a variety of insurance companies. You can compare rates and policies online or by contacting insurance companies directly.
When shopping for LSV insurance in Florida, you should compare rates from a variety of insurance companies. You should also make sure that the policy you choose includes the coverage you need.
There are a few things you can do to save money on LSV insurance in Florida, including:
- Maintaining a good driving record
- Insuring your LSV with a reputable insurance company
- Choosing a policy with high deductibles
- Taking advantage of discounts offered by your insurance company
If you have a claim in Florida, you should contact your insurance company immediately. Your insurance company will send an adjuster to assess the damage and determine the amount of your claim.
There are a number of resources available to help you learn more about LSV insurance in Florida, including:
- The Florida Department of Highway Safety and Motor Vehicles (FLHSMV)
- The National Highway Traffic Safety Administration (NHTSA)
- The Insurance Information Institute (III)
- Term Brokers
