Legal Requirements & Limits

If you are permitted by your city or county to drive on public streets (typically roads with speed limits of 35 mph or less), you must carry the state's minimum liability coverage: 

• $30,000 for bodily injury per person.
• $60,000 for total bodily injury per accident.
• $25,000 for property damage per accident. 

Note on LSVs: If your vehicle is registered as a Low-Speed Vehicle (LSV) rather than a standard golf cart, insurance is strictly mandatory, and you must carry proof of it along with your driver's license. 

Coverage Types

Most standard home or auto policies offer very limited protection once you leave your property. Dedicated policies often include: 

• Liability: Covers injuries or property damage you cause to others.
• Collision: Repairs your cart after an accident, regardless of fault.
• Comprehensive: Protects against theft, vandalism, and Texas weather events like hail or hurricanes.
• Medical Payments: Helps pay for your medical bills and those of your passengers.
• Uninsured Motorist: Protects you if you are hit by someone without insurance. 

Important Considerations