Golf Cart Insurance in Tennessee

Coverage for how you use your cart

A golf cart may be used around your neighborhood, at a course, or on certain roads. Those uses can raise different insurance questions, so it helps to describe exactly where and how you drive it.


Thompson Insurance Agency can review your cart, how it is registered or permitted, where it is kept, who drives it, and any coverage you already have. We can help you explore available options for damage to the cart and liability to others.


Do not assume a homeowners or auto policy automatically covers your golf cart, especially away from your property or on public roads. Coverage, road-use eligibility, limits, and exclusions depend on the insurer and policy.


Call (615) 928-2474 to discuss golf cart insurance for your situation in Tennessee.

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Golf Cart Insurance FAQs

Questions to discuss before using a golf cart on or off private property. Coverage depends on use, location, and insurer rules.

Maybe only in limited circumstances. Coverage can depend on where the cart is used, who owns it, and the policy wording. Tell the agency about the cart and its regular routes instead of assuming a home or auto policy protects it.

Disclose any street or community use before relying on coverage. Registration and road-use rules may differ by location, and an insurer may have separate eligibility conditions. The agency can review the intended use and available options.

They can. Share who uses the cart, where it is stored, and any added seats, lights, lift kits, or other modifications. Ask how physical damage and liability would apply, including any limits or exclusions for the equipment.

Still have questions?

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