LSV Insurance & Street Legal Golf Cart Insurance in Florida
If you drive a low-speed vehicle, neighborhood electric vehicle, or street-legal golf cart on Florida roads, you need insurance designed around how and where the vehicle is used.
Shane Griffis Agency helps Florida residents compare coverage for low-speed vehicles and street-legal golf carts, including liability, physical damage, uninsured motorist, medical payments, and other available protection options.
As one of Florida’s leading agencies specializing in LSV and golf cart insurance, we offer coverage solutions for:
- Personally owned LSVs and street-legal golf carts
- Commercial-use vehicles
- Golf cart and LSV rental businesses
- Rental fleets
- Vehicles provided at Airbnb and other short-term rental properties
- Neighborhood electric vehicles
Contact Shane Griffis Agency today for a personalized LSV or street-legal golf cart insurance quote anywhere in Florida.
- Low-Speed Vehicle Insurance
- LSV Insurance Florida
- Street Legal Golf Cart Insurance
- Neighborhood Electric Vehicle Insurance
- Florida LSV Insurance Quote
Insurance for Street Legal Golf Carts and Low-Speed Vehicles
A low-speed vehicle is different from a regular golf cart. If your LSV is titled, registered, or driven on approved public roads, your insurance needs may be different too.
LSV Insurance Florida
Coverage options for low-speed vehicles used for neighborhood driving, short commutes, community transportation, and local errands throughout Florida.
Street Legal Golf Cart Insurance
Protection for street legal golf carts that may require liability coverage, physical damage coverage, and other policy options for road use.
Neighborhood Electric Vehicle Insurance
Insurance options for electric carts and neighborhood electric vehicles used in communities, gated neighborhoods, resorts, and coastal towns.
What Makes LSV Coverage Different?
Traditional golf carts are often used on private property, golf courses, community roads, or within residential neighborhoods. Low-speed vehicles and street-legal golf carts, however, may be driven on approved public roads. That difference can affect the type of insurance coverage needed to properly protect the vehicle, driver, passengers, and others on the road.
Shane Griffis Agency can help clients compare coverage options based on how and where their golf cart or LSV is used, including:
- Florida golf cart insurance
- Personal-use golf cart insurance
- Street-legal golf cart insurance
- Low-speed vehicle insurance
- Business-use golf cart insurance
- Commercial golf cart insurance
- Golf cart rental and fleet insurance
Whether the vehicle is used for neighborhood transportation, business operations, rental purposes, or at an Airbnb or other short-term rental property, our experienced team can help find coverage designed for the client’s specific needs.
Coverage Options for LSVs and Street Legal Golf Carts
Your policy can be customized based on your vehicle, driving habits, ownership, and whether your LSV is used for personal, recreational, or business purposes.
Liability Coverage
Golf Cart Liability Insurance can help protect you if your LSV causes injury or property damage.
Physical Damage
Coverage may be available for theft, collision, vandalism, and other covered damage.
Umbrella Protection
Golf Cart Umbrella Insurance may help provide another layer of liability protection.
Commercial Use
Business Use Golf Cart Insurance can support resorts, communities, rentals, and local operations.
Insurance for Popular Golf Cart, EV, and LSV Brands
Shane Griffis Agency can help with insurance options for many popular street legal golf carts, low-speed vehicles, and electric carts in Florida.
LSV and Golf Cart Insurance Near You in Florida
Shane Griffis Agency is based in Port Saint Lucie and helps Florida drivers compare Low-Speed Vehicle Insurance, Street Legal Golf Cart Insurance, and Golf Cart Insurance Quote options throughout the state.
Whether you are searching for Golf Cart Insurance Near Me, Florida Recreational Vehicle Insurance, Electric Vehicle Insurance Florida, or a Florida LSV Insurance Quote, our team can help.
Get Your Florida LSV Insurance Quote Today
Whether you need coverage for a low-speed vehicle, street legal golf cart, neighborhood electric vehicle, personal use golf cart, or business use golf cart, our team is ready to help.
Converted Golf Carts
Golf carts can be converted to LSVs (see LSV safety equipment requirements above). Buyers should be aware that if a golf cart has been modified to an LSV, the registration and title date do not reflect the manufacture date (age of the vehicle). Instead, it indicates the year it was registered and titled. This means that the vehicle could be older than the date listed on the title.
Titling and Registering a Converted Golf Cart
Prior to titling and registering a converted golf cart, the applicant must present photographs of the front, back, and both sides (4 total) of the converted vehicle to a Motorist Services Regional Office along with the following documents and fees for an inspection, VIN assignment, title, and registration:
(Note: The converted golf cart must be street-legal before applying for title and registration.)
- Manufacturer’s Certificate of Origin or a bill of sale for the golf cart Form HSMV 84490
(Statement of Builder) completed by customer and Compliance Examiner/Inspector; - Form HSMV 86064
(Affidavit for Golf Cart Modified to a Low Speed Vehicle);
- Original bill(s) of sale or receipt(s) for all parts used to convert the golf cart to a low speed vehicle;
- Certified weight slip for the converted golf cart;
- Form HSMSV 82040
(Application for Title);
- Proof of Florida insurance (minimum $10,000 PDL and $10,000 PIP);
- Sales tax or sales tax exemption information for all parts;
- Identification – driver license, ID card or passport; and
- Applicable fees
- Inspection fee
- Title fee
- Plate fee
- Initial registration fee, if applicable
- Registration fee (varies by weight of vehicle)
Additional Considerations
- Registration and titling:Â LSVs must be registered and titled with the state of Florida, in addition to having insurance.
- Safety equipment:Â LSVs need to be equipped with specific safety features, including headlights, turn signals, stop lamps, tail lamps, reflex reflectors, parking brakes, rearview mirrors, windshield, seatbelts, and a VIN.
LSVs may be operated only on streets where the posted speed limit is 35 MPH or less and must be equipped with the following safety equipment:
- Headlamps
- Front and rear turn signals
- Stop lamps
- Tail lamps
- Reflex reflectors, red – one each side and one on the rear
- Exterior mirror on the driver side and an interior rear-view mirror or exterior mirror on passenger side
- Parking brake
- Windshield
- Seat belt for each designated seat
- Vehicle identification number (VIN)
To title and register an LSV, take the following documents to a Motor Vehicle Service Center:
- Manufacturer’s Certificate of Origin;
- Form HSMV 82040
(Application for Title);
- Proof of Florida insurance (minimum $10,000 PDL and $10, 000 PIP);
- Identification – driver license, ID card or passport; and
- Applicable fees
- Title fee
- Plate fee
- Initial registration fee, if applicable
- Registration fee (varies by weight of vehicle)
