LegalReader.com  ·  Legal News, Analysis, & Commentary

News & Politics

Golf Carts in Residential Communities: What the Law Says and How to Stay Compliant


— September 24, 2025

Golf carts come with an endless number of lifestyle benefits, but they’re still vehicles, and they should be treated with the same legal care.


You don’t need to fit in 18 holes to ride in a golf cart; the humble, handy ride is growing in popularity across beach towns and in retirement communities. The beauty of the golf cart is that it’s affordable, convenient, and more sustainable than hopping in the car every time you want to check the mail or take out the trash. 

With this rise of convenience, however, there has been confusion around local laws. The best way to ensure you’re enjoying your golf cart responsibly is to make yourself familiar with the legal standard.

The Rise of Golf Carts: Riding Beyond the Green 

Farmers hop on four-wheelers to get around their property conveniently, and the golf cart delivers the same level of convenience for residents of gated communities, retirement communities, and even small towns. While the youngsters embrace the electric scooter, more mature residents prefer a golf cart. It’s becoming a popular trend for the aging population, but it’s also popular for eco-conscious commuters, and many planned communities are embracing the idea.

As demand for personal-use golf carts increases, websites like the Cart Finder provide non-commercial use models, catering to residents eager to seek an alternative to traditional vehicles. 

Golf Cart vs Low-Speed Vehicle: The Law 

As with many alternative vehicles, golf carts are typically limited to operating at 20 miles per hour or less. They aren’t regulated by the safety standards applied to low-speed vehicles, which are federally regulated. Low-speed vehicles are designed for street use, so while they can operate at 35 mph, they must feature lights, seat belts, and other safety features typically expected of standard vehicles. 

As for golf carts, several states allow for use on the street, but Florida changes the designation if they are modified to exceed speeds of 20 mph. A misclassification can result in insurance policy gaps and fines for non-compliance. 

A Patchwork of Regulations

The regulations surrounding golf cart use vary wildly by state and county, and individual Homeowners’ Associations (HOAs) have their own rules to consider. For example, you can operate your golf cart on Florida roads at 20 miles per hour, but if your cart exceeds that it’s classed as a low-speed vehicle. Whereas, California allows you to operate without a driver’s license, provided you’re riding the golf cart within a mile of a course.

Local laws might permit the use of golf carts, but individual communities can ban or place strict restrictions on their use. From including registration to limiting their use to licensed drivers, or requiring liability waivers. Before you invest in a golf cart of your own, you should check your HOA bylaws before checking with your local DMV about regulations.

Safety Considerations and Legal Liabilities 

There are several factors to consider before you take the golf cart plunge, and the first is unlicensed or underage drivers. Always check the local regulations to understand the rules. While you may not need a license to operate a golf cart under the law, your HOA or community may require licensing. Additionally, a lack of proper insurance could create issues in the event of an accident that leads to injuries. Finally, driving under the influence can lead to the same charges as driving a vehicle under the influence. 

The best way to avoid litigation involving personal injuries from shared roads, sidewalks, and other carts in operation is to take proper training and follow local guidelines.

Compliance Advice for Golf Cart Owners

The key to compliance is taking a proactive approach! Start by verifying local laws, then follow up by consulting your community guidelines. Next, add safety features, including seat belts, reflectors, and mirrors, and ensure you have insurance for your cart. Whether the law demands it or not, taking every precaution is the best way to avoid an accident.

Golf cart
Golf cart; image courtesy of ingagestroliac via Pixabay, www.pixabay.com

Additionally, you should always stick to the speed limit, only use approved paths or roadways, and don’t let an unlicensed teen driver take the wheel. Compliance isn’t just legal wisdom; it benefits the community by improving neighbour relations, reducing the risk of liability, and reducing the number of accidents.

Golf carts come with an endless number of lifestyle benefits, but they’re still vehicles, and they should be treated with the same legal care. As they grow in popularity for non-commercial us,e the laws are changing to reflect that, so you must consult local regulations and community guidelines to ensure you stay compliant. Staying informed is the key to maximum convenience, allowing you to enjoy your new golf cart without worrying about legal hiccups. A safe, compliant cart is the key to freedom.

Join the conversation!