My cart insurance is $60 per year. I was told it is better to have a separate policy in case you do have an accident, it won't raise your home insurance premiums. Also car maintenance is likely to be less than what you're paying now since you won't be using your car much for short trips. We set aside an extra $100 per month for contingencies (including home/car/cart repairs). If it doesn't get used at the end of the year, then it converts into a vacation fund.
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Netherlands, California, Quebec, California, Texas, Turkey, Minnesota, Panama Canal, California, Illinois, Turkey, Maryland, Germany, Florida, New Mexico, The Village of Amelia and now The Village of Hacienda East. 
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