Also, consider if your cart can go over 20 MPH, it is considered a LSV (Low speed Vehicle) and actually requires a license and essentially CAR insurance. If you have an accident and the police check your golf cart speed, you can expect several hundred dollars in fines, etc.
While I do not know what your insurance company would do, I can guess they would deny coverage if it can go over 20 MPH.
As for the costs, I agree with the info above.
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Pennsylvania, for 60+ years, most recently, Allentown, now TV. 
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