DO I NEED CAR INSURANCE TO RENT A GOLF CART IN KEY WEST?

Answer: Yes, most companies simply require you to have auto insurance which covers you on the golf cart too.

In Key West, the golf carts you rent aren’t the little off-road carts you see on a golf course. They’re street-legal Low-Speed Vehicles, which means they’re treated like motor vehicles under Florida law. Because of that, insurance is required to operate one on public roads. For most travelers, this isn’t a big deal. Many golf cart rental companies simply require that you carry valid auto insurance and in a lot of cases, your personal car insurance policy can extend to your golf cart rental.

If your personal policy doesn’t extend, or if you’d rather not use it, rental companies typically offer daily damage coverage options. It’s an easy add-on at checkout and gives you peace of mind while you cruise the island. Think of it this way. You’ll be driving your golf cart on the same streets as cars, along Duval Street, through Old Town, over to Smathers Beach and down to Fort Zachary Taylor. Because you’re sharing the road, the same rules apply. Insurance simply protects you in case of an unexpected situation.

One important note: don’t assume your credit card’s rental car coverage automatically applies. Many credit card protections exclude low-speed or open-air vehicles. It’s always better to verify ahead of time than to find out later.

The bottom line is this: yes, you need insurance to rent and drive a golf cart in Key West. But in most cases, you already have what you need. Once that’s squared away, you’re free to enjoy one of the most fun and convenient ways to explore the island.  Check out more rules and regulations for golf cart rentals here

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The best way to get around Key West is by golf cart and there’s no better way to explore the island

Related: Golf Cart FAQ Main Page

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