--- title: "Golf Cart Insurance in Fort Myers FL | Insurance Specialists of SW Florida" description: "Get affordable golf cart insurance in Southwest Florida. Coverage for on-road and off-road use from Insurance Specialists of SW Florida." lang: en json-ld: --- [ ![Andrew Koehneke - Managing Partner at Insurance Specialists of SW Florida](/assets/andrew-koehneke-managing-partner-bonita-springs-UqMMi1Ag.webp) Andrew ](/team/andrew-koehneke) [![Insurance Specialists of SW Florida - Bonita Springs insurance agency logo](/assets/insurance-specialists-sw-florida-logo-D4Ga2KGg.webp)](/) [Home](/) Insurance [Home Insurance](/insurance/home)[Auto Insurance](/insurance/auto)[Flood Insurance](/insurance/flood)[Condo Insurance](/insurance/condo)[Umbrella Insurance](/insurance/umbrella)[Commercial Insurance](/insurance/commercial)[Golf Cart Insurance](/insurance/golf-cart) [Other](/insurance/other) [Motorcycle](/insurance/motorcycle)[RV](/insurance/rv)[Pet](/insurance/pet)[Travel](/insurance/travel)[Renters](/insurance/renters)[Wind Only](/insurance/wind-only)[Jet Ski](/insurance/jet-ski)[Boat](/insurance/boat)[Builders Risk](/insurance/builders-risk)[Manufactured](/insurance/manufactured) Why Us? [Meet the Team](/about/team)[Our Carriers](/about/carriers)[Blog](/blog) Locations [Fort Myers / Estero](/contact)[Bonita Springs / Naples](/contact/bonita-springs)[Fremont, Ohio](/contact/ohio) [FAQ](/faq) [(239) 949-7717](tel:+12399497717)[Get My Quote](/get-a-quote) ![Golf cart insurance in Bonita Springs and Naples Florida - golf cart in a Southwest Florida community](/__l5e/assets-v1/bb31b8af-8aa7-4c24-a25b-36bacc5f60a6/bg-golfcart.jpg) # Golf Cart Insurance Whether you use your golf cart on the course, around the neighborhood, or on public roads, having the right insurance coverage is essential to protect you and your investment. From gated communities and golf courses to local roads and shopping centers, golf carts are one of the most popular ways to get around in Southwest Florida. But many golf cart owners don't realize they may need specialized insurance coverage. If you drive your golf cart on public roads, Florida law may require liability insurance similar to what's needed for a standard vehicle. Even if you only use it on private property, damage, theft, and injury risks still apply. Our golf cart insurance policies are tailored to how and where you use your cart. It can include liability coverage, collision, comprehensive, medical payments, and uninsured/underinsured motorist protection. We work with multiple carriers to find you the best rate and the right level of coverage. Whether you have a standard golf cart or a customized LSV (Low-Speed Vehicle), we'll match you with a policy that fits. [Get My Quote](/get-a-quote) [![Chavelys Salazar, Risk Advisor - Southwest Florida golf cart insurance agent](/assets/chavelys-salazar-risk-advisor-bonita-springs-C_M3evxs.webp "Chavelys Salazar - golf cart insurance agent")Chavelys Salazar Risk Advisor ](/team/chavelys-salazar)[![Alyssa Marrero, Risk Advisor - Southwest Florida golf cart insurance agent](/assets/alyssa-marrero-risk-advisor-fort-myers-BzUNnFLF.webp "Alyssa Marrero - golf cart insurance agent")Alyssa Marrero Risk Advisor ](/team/alyssa-marrero)[![Megan McCants, MBA, Risk Advisor - Southwest Florida golf cart insurance agent](/assets/megan-mccants-risk-advisor-bonita-springs-UzcsEXYa.webp "Megan McCants, MBA - golf cart insurance agent")Megan McCants, MBA Risk Advisor ](/team/megan-mccants) ## Free Golf Cart Quote A few quick questions. A local agent will compare carriers and send you options. First Name \* Last Name \* Phone \* Email \* Home Address \* Company I agree that Insurance Specialists of SW Florida may contact me by phone, text message, or email regarding an insurance quote. Message and data rates may apply. Consent is not a condition of purchase. Get My Quote Prefer to talk? Call [(239) 949-7717](tel:+12399497717) ## Golf Cart Insurance Carriers [![American Integrity other / specialty insurance carrier logo](/assets/american-integrity-insurance-carrier-logo-DIR3CSoW.webp)](https://www.aiicfl.com/)[![Progressive other / specialty insurance carrier logo](/assets/progressive-insurance-carrier-logo-zxoHGnKJ.webp)](https://www.progressive.com/)[![Liberty Mutual other / specialty insurance carrier logo](/assets/liberty-mutual-preferred-carrier-logo-B3lAaODt.webp)](https://www.libertymutual.com/)[![Travelers other / specialty insurance carrier logo](data:image/webp;base64,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)](https://www.travelers.com/) Show More ## Golf Cart Insurance Questions Quick answers to questions we hear most often. Show More ![Insurance Specialists of SW Florida - independent insurance agency serving Bonita Springs, Naples and Fort Myers](/assets/insurance-specialists-sw-florida-footer-logo-KAHxkE0K.webp) We work to provide policies that protect our clients' assets and well-being. Licensed in Florida, Ohio, Michigan, Tennessee, Pennsylvania, South Carolina, and Indiana. #### Contact [(239) 949-7717](tel:+12399497717) Bonitasprings@fl-ins.com 12870 Trade Way Four, Suite 108 Bonita Springs, FL 34135 #### Business Hours Mon–Fri: 9am – 5pm Sat–Sun: Closed [](https://www.facebook.com/insurancespecialists/)[](https://www.youtube.com/@GetFloridaInsurance)[](https://www.linkedin.com/company/insurance-specialists-of-sw-florida-llc/posts/?feedView=all)[](https://g.page/r/CWejDDOOSNe1EBM/review) © 2026 Insurance Specialists of SW Florida. All rights reserved.