Home, acreage or recreational property
Tell the insurer where the cart is stored and used, and whether it leaves the insured property. Do not assume your homeowners policy provides off-premises liability or damage coverage.
Shreveport · Bossier City · Northwest Louisiana
Golf cart insurance
Whether your golf cart stays on private property or you plan to drive it on a locally approved street, the right insurance depends on where, how and by whom it is used. Muslow Insurance helps Shreveport–Bossier owners review available golf cart coverage options.
Start with how the cart is used
A golf cart is not automatically covered like a car
Homeowners and auto policies may restrict coverage for golf carts, particularly when they leave certain premises or are operated on roads. A separate golf cart policy or available endorsement may be appropriate. The correct approach depends on your existing insurance, the vehicle and its actual use.
Neighborhood or locally designated roads
Insurance eligibility and legal permission are separate questions. Even a modified or registered cart cannot use an ordinary public street unless applicable law and local authorization permit it.
Golf cart, low-speed vehicle or UTV?
Louisiana R.S. 32:299.4 defines a golf cart for its roadway rules as an electric, four-wheeled vehicle intended for off-road use on golf courses or green spaces, with a maximum speed of 25 mph. Gas-powered carts, low-speed vehicles, higher-speed modified carts and UTVs may be treated differently under the law and by insurers. Provide the make, model, power source, maximum speed and intended use. For ATVs and side-by-sides, see our Motorcycle & ATV Insurance page.
Coverage questions that matter
Four things to check before choosing a policy
Keep the review focused on the situations in which a golf cart owner could discover a coverage gap.
01
Liability for an accident
Ask what applies if the cart injures someone or damages another person's property, including where the policy permits operation and who is an insured driver.
02
Damage, theft and weather
Some golf cart programs offer optional physical damage coverage. Confirm which causes of loss, deductibles and limits apply to the cart itself.
03
Drivers, passengers and location
Disclose who will drive the cart, where it is kept and whether it is used on a golf course, at a community or on a public road. Eligibility and coverage may change with those details.
04
Upgrades and commercial use
Lift kits, custom seats, added equipment, rental activity and business use may affect underwriting or coverage. Identify them before purchasing a policy rather than assuming they are included.
Louisiana-specific guidance
Insurance does not make a golf cart street legal
Under Louisiana R.S. 32:299.4, golf carts generally cannot operate on public roads. The statute allows certain designated parish roads or municipal streets, with posted authorization, and a limited permitted state-highway crossing. Local governments can impose additional rules or prohibit operation.
For permitted operation under that statute, requirements include a valid driver's license, specified safety equipment, registration and liability insurance meeting the applicable minimums. These conditions do not authorize driving on an undesignated subdivision street. Confirm the current local rules before using a cart on a roadway.
Bossier Parish example: Ordinance No. 4818 (2021) designated certain roads in the Forest Hills subdivision and established additional inspection and permit requirements. That published designation does not mean every nearby street is approved—or that a designation remains unchanged. For a route in Shreveport, Bossier City, Benton, Haughton or elsewhere in Northwest Louisiana, confirm which local government controls the road and check its current authorization and signage.
Simple process
Get a golf cart coverage review
Muslow Insurance can help you understand available options without assuming every golf cart or usage arrangement qualifies.
Describe your cart
Share its specifications, value, location and how you intend to use it.
Review options
We can explore eligible coverage choices through our represented insurance markets and explain relevant conditions.
Confirm the policy
Review limits, exclusions, authorized use and the effective date before relying on coverage.
Other specialty coverage?
Explore Personal & Specialty Insurance, including personal umbrella policy options. A golf cart is not automatically covered under an umbrella policy.
Practical answers
Golf Cart Insurance FAQs
Focused questions for golf cart owners in Shreveport, Bossier City and surrounding Northwest Louisiana communities.
Does my homeowners insurance cover my golf cart?
Possibly in limited circumstances, depending on the policy, where the cart is used and the type of loss. Liability away from the insured premises and damage to the cart may be restricted or excluded. Have the actual homeowners policy reviewed rather than assuming the golf cart is covered.
Can I drive a golf cart on a Shreveport–Bossier neighborhood street?
Only if the road is authorized under applicable law. Bossier Parish Ordinance No. 4818 (2021) listed certain Forest Hills subdivision roads and imposed additional requirements, but it does not authorize every neighborhood street in Shreveport, Bossier City or surrounding communities. Confirm current road designations, posted signs and local requirements before driving.
Is liability insurance required for a street-operated golf cart?
Louisiana R.S. 32:299.4 requires liability insurance meeting the state's applicable minimum limits for a golf cart lawfully operated on a designated parish road or municipal street. Insurance alone does not authorize roadway use; registration, equipment, licensing and local rules also matter.
Will golf cart insurance pay if my cart is stolen or damaged in a storm?
Only if the policy includes applicable physical damage coverage and the loss meets its terms. Ask about theft, weather-related damage, covered locations, deductibles and settlement limits. A liability-only policy does not insure damage to your own cart.
Can my child or an unlicensed person drive our golf cart?
Do not assume so. Louisiana requires a valid driver's license for golf cart operation on designated public roads, and insurers may have separate driver eligibility restrictions even on private property. Always follow applicable law and the issued policy's requirements.
Are lifted golf carts or carts with upgraded seats covered?
They may be eligible with some insurers, but modifications can affect acceptance, valuation and coverage. Disclose lift kits, extra seating, upgraded batteries, custom equipment and speed changes when requesting a quote. Added equipment is not automatically insured for its full cost.
Are gas-powered golf carts and low-speed vehicles treated the same?
Not necessarily. Louisiana R.S. 32:299.4 defines a golf cart for its roadway exception as an electric, four-wheeled vehicle designed for off-road golf-course or green-space use with a maximum speed of 25 mph. Gas-powered carts, low-speed vehicles and modified or higher-speed vehicles can have different legal requirements and insurance eligibility. Share the cart's power source, maximum speed, make, model and modifications so its classification can be checked.
What does Muslow Insurance need to quote my golf cart?
Typically, the cart's make, model, year, power source, approximate value, maximum speed, serial number or VIN, location, modifications, planned use and driver information. Insurer requirements vary, and quoting does not bind or change coverage. Contact Muslow for available options.
Helpful sources
Louisiana golf cart resources
Review Louisiana law and one Bossier Parish example; local designations and requirements must be checked for the exact road.
Louisiana law
R.S. 32:299.4
Golf cart roadway exceptions, insurance, equipment and registration rules.
Read statute Bossier Parish ordinanceForest Hills designation example
Specific designated subdivision roads and additional parish requirements adopted in 2021. Confirm current status before use.
Read ordinance Louisiana regulationsGolf cart titling requirements
Documents and insurance information referenced for Louisiana golf cart registration.
Read regulationThese official and regulatory sources provide background, including a 2021 local ordinance that may have been amended. They do not establish current authorization for a particular road, driver, vehicle or insurance policy. Confirm the rules directly with the responsible local authority and review the actual policy.
Why choose Muslow Insurance?
A local independent agency for golf cart insurance
Muslow Insurance is a third-generation, family-owned independent insurance agency established in Shreveport in 1980. We help Northwest Louisiana customers review options through our represented markets, with attention to how and where a golf cart will actually be used.
We can explain available insurance terms and compare eligible options, but each insurer makes its own underwriting and coverage decisions. Learn more about Muslow Insurance or meet our team.
Ready to explore your options?
Request a golf cart insurance quote
Tell us about your cart and intended use. Muslow can review eligible insurance options through its represented markets. A quote request does not bind, modify or confirm coverage.
Important coverage information: This page is for general informational purposes. It is not an insurance contract or an approval to operate a golf cart on public streets. Coverage, limits, exclusions, deductibles and eligibility are determined by the issued policy and insurer. Insurance coverage cannot be bound or changed through a website submission, voicemail, text or email; direct confirmation from a licensed agent is required.