--- title: "Golf Cart Insurance in Fort Myers FL | Insurance Specialists of Ft Myers" description: "Get affordable golf cart insurance in Southwest Florida. Coverage for on-road and off-road use from Insurance Specialists of Ft Myers." lang: en json-ld: --- [![Insurance Specialists of SW Florida 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) 514-0225](tel:+12395140225)[Get My Quote](/get-a-quote) # 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. Golf carts are a popular way to get around in Southwest Florida, from gated communities and golf courses to local roads and shopping centers. 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 can include liability coverage, collision, comprehensive, medical payments, and uninsured/underinsured motorist protection, tailored to how and where you use your cart. 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) ## Carriers We Work With [![Berkshire Hathaway insurance carrier logo](/assets/berkshire-hathaway-insurance-carrier-logo-DLgQx9j4.webp)Berkshire Hathaway ](https://www.bhhc.com/)[![GEICO insurance carrier logo](/assets/geico-insurance-carrier-logo-CZsiQ0_p.webp)GEICO ](https://www.geico.com/)[![Hagerty insurance carrier logo](data:image/webp;base64,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)Hagerty ](https://www.hagerty.com/)[![Mercury insurance carrier logo](/assets/mercury-insurance-carrier-logo-Cc5dbUk6.webp)Mercury ](https://www.mercuryinsurance.com/) [View All Carriers](/about/carriers#auto) Show More ![Insurance Specialists of SW Florida - independent insurance agency](/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) 514-0225 annmarie@fl-ins.com 12251 Itec Park Dr, Unit 106 Fort Myers, FL 33913 #### 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 Ft Myers. All rights reserved. [ Home ](/insurance/home)