[jimschlaefer]

I can't speak to 2024 carts specifically, but I insured our 2017 and 2021 carts with Progressive and the total cost was no where near your costs. Progressive treats them as motorcycles or ATVs and as for cost, it all depends how much you want to cover. We figured liability was important. As for collision or replacement, we kept a high deductible to reduce the overall cost, but still not 'break our bank'. If I recall, the total for my Harley and the two buggies was under $350.