To get low speed vehicle insurance in Florida for a golf cart it must have these working items:
- Vehicle Identification Number (VIN)
- Exterior mirrors
- Driver and interior rear-view or passenger side mirror
- Seat belt for all seats
- Head lights
- Brake lights
- Reflex Reflectors
- Front and rear turn signals
It is good to note, you can receive a ticket like any other vehicle if you are driving on the street and these items are not working.
Also your low speed vehicle can only be driven on streets that have a speed limit of 35mph or less.
You must also have a valid driver’s license and the title of vehicle when applying for insurance with your preferred insurance company. If you want to drive the golf cart on the street it must carry personal injury and property damage insurance, with a minimum of $10,000 coverage on each.
Your insurance agent or the DMV in your state can help with any further questions you may have about insuring your golf cart.