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Golf carts are NOT required to have insurance, just like motorcycles are not required to have accident insurance. There is NO annual vehicle inspections required in Florida. There is NO requirement for seat belts in golf carts in Florida and there is no requirement for helmets in Florida for motorcyclists. Some folks believe that it's a matter of common sense as to whether or not you operate a safe vehicle and or wear safety devices, AND whether or not you have insurance.
I am NOT a fan of gov. regulation and find that normally the folks that benefit the most are those making money due to "rules."
On the other hand, some insurance companies give discounts for driver safety course completion. Some give discounts for folks with less driving violations and some even have small devices that connect to vehicles to record your driving practices and give you a discount for using them.
Mandates---NO!