Cart insurance is approx $60 per year...go to VIllage Insurance and keep it off your car or homeowner insurance policy.
AS for Golf Cart expenses, if your electric, you better also budget $700 every 4 years for batteries and you most likely will need brakes during that period of time. I also had to replace tires in 2 years ($200)...you dont want to drive a golf cart on wet pavement with bad tires. You will fishtail worst than a car at the most moderate speed. !
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