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WebAn off-road vehicle insurance policy may help protect things such as ATVs, snowmobiles, golf carts and dirt bikes. Learn about the coverages that may help protect you and your vehicle in case of a mishap. An off-road vehicle insurance policy may help protect things such as ATVs, snowmobiles, golf carts and dirt bikes. Web0 age restrictions on how old you must be to operate a golf cart on a golf course. 14 years is the age FL requires in order to operate a golf cart on a road, however, the speed limit must be at or below 25 mph. A Golf Cart policy also provides personal injury as well as liability coverage. WebIf a golf cart is modified to reach speeds between 20 mph to 25 mph and is used to travel locally, such as in a neighborhood setting like The Villages, FL, then it must be properly titled, registered, and insured with both … scary movie elf