Golf Cart Insurance Pennsylvania

Golf Cart Insurance in Pennsylvania & Beyond

With the help of our knowledgable agents, you can gain access to affordable and comprehensive Golf Cart Insurance in Pennsylvania & beyond.

Request a quote for Golf Cart Insurance


Ondik Insurance Agency | Insurance in Pennsylvania & Beyond

What is golf cart insurance?

Golf cart insurance is a type of personal coverage designed to protect golf carts from damages, theft, and liability claims while they are in use. Like any other vehicle, golf carts are subject to accidents, whether on the golf course, in a neighborhood, or on private property. Golf cart insurance typically includes liability coverage, collision coverage, and comprehensive coverage, which may help cover damage to the golf cart itself and provide protection if it causes injury to others or their property. 

Golf Cart Insurance Pennsylvania

What does golf cart insurance cover?

Golf cart insurance in Pennsylvania generally covers several key areas, which may be customized depending on your needs. The most common coverages include:

  1. Liability Coverage: This is the most important aspect of golf cart insurance. It covers bodily injury or property damage caused by an accident in which you are at fault. 
  2. Collision Coverage: This covers damage to your golf cart resulting from a collision with another vehicle, object, or structure, regardless of who is at fault. It will pay for repairs or replacement costs if your golf cart is damaged in an accident.
  3. Comprehensive Coverage: This provides protection for non-collision incidents, such as theft, vandalism, fire, or weather-related damage (hail, floods, etc.). It may also cover damages caused by falling objects.
  4. Medical Payments: This coverage helps pay for medical expenses if you or a passenger are injured in a golf cart accident, regardless of who is at fault. 
  5. Uninsured/Underinsured Motorist Coverage: If you’re in an accident with another party who does not have enough insurance to cover your damages or is uninsured, this coverage helps pay for your repairs and medical bills.
  6. Personal Property: Some golf cart insurance policies may offer coverage for personal items stored on the cart, such as golf clubs or equipment, in the event of damage or theft.

Looking for coverage now?

Get a quote for Golf Cart Insurance

Our team is here to give you a quote for the insurance coverages you need to protect the things most important to you. Get your quote now!


Does golf cart insurance cover damage while the cart is being transported?

Yes, golf cart insurance may cover damage to your cart while it is being transported, but it depends on the specific coverage included in your policy. If you are transporting your golf cart on a trailer or in a truck, your comprehensive coverage may apply to any damages sustained during transport, such as those caused by an accident or bad weather. However, collision coverage would typically not apply unless the cart was being driven at the time of the accident. If you frequently transport your golf cart, it’s advisable to discuss transport-related coverage options with your insurance agent to ensure that your policy fully protects you during transport.

  • Yes, many insurance providers offer seasonal or temporary golf cart insurance policies, which are ideal for those who only use their golf carts during certain times of the year. These types of policies allow you to pay for coverage only during the months you need it, saving you money when the cart is not in use. Seasonal golf cart insurance typically provides the same coverage as a full-year policy, including liability, collision, and comprehensive coverage, but it is limited to the period you specify. If you only use your golf cart during the warmer months or for specific events, this may be a cost-effective option to ensure your cart is protected while in use.

  • Standard golf cart insurance policies generally do not cover rental or leased golf carts, as they are considered separate vehicles from the one owned by the policyholder. If you rent or lease a golf cart, the rental company will often provide their own coverage as part of the rental agreement. However, if you want additional protection or coverage beyond what is provided by the rental company, you may purchase optional coverage for rented or leased carts. It’s important to ask the rental company about their insurance policies and consider purchasing additional coverage if you feel it is necessary for your peace of mind. Always verify the terms and limitations of coverage before using a rental or leased cart.

  • Several factors may impact the cost of golf cart insurance in Pennsylvania. Some of the key considerations include:

    1. Usage: How often and where you use your golf cart plays a significant role in determining the cost. If you primarily use your golf cart on the golf course, your rates may be lower than if you use it on public roads or in a neighborhood.
    2. Coverage Limits: The higher your coverage limits and the more coverage options you choose, the higher your premium will be. Adding coverage for things like theft, vandalism, or personal property will increase the cost of your policy.
    3. Driving Record: A clean driving record may help reduce your golf cart insurance rates, while a history of accidents or violations may result in higher premiums.
    4. Golf Cart Model and Value: Newer, more expensive golf carts typically cost more to insure than older, less expensive models. The more expensive the golf cart, the higher the potential repair or replacement costs, which may increase your premiums.

How can owners obtain golf cart insurance in Pennsylvania?

Reach out to the independent agents at Ondik Insurance Agency for a fast quote on golf cart insurance. Whether you’re using your golf cart on the course, in your neighborhood, or for recreational purposes, our team will work with you to tailor a policy that provides the right protection. We understand the unique needs of golf cart owners, and we’re committed to offering you affordable, reliable coverage. 

Ondik Insurance Agency

If you need assistance or have any questions, our independent insurance agents are here to help.

Office Location:
728 Maple Street
Conshohocken PA 19428