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View Full Version : USAA Golf Car(t) insurance


SoxOfRed
08-25-2025, 09:13 AM
For many years, we've had USAA insurance for most everything. They've also been a great company to deal with.

We just got a new golf car and got a quote of $60... per month! Explained to them it's not a low speed vehicle, not registered, no VIN and we didn't even include collision in our request.

Does anyone have experience with USAA and getting your golf cars insured? Am I just not asking them the right questions?

Otherwise, we'll have to go elsewhere. If that's the case can someone recommend and give me their costs for a company that this is the only policy with them? Can't take advantage of any bundling unfortunately.

VAtoFLA
08-25-2025, 09:17 AM
The key is whether it goes over 20 mph or not, at least that's how it was for us. We use Progressive and it is $75 per year.

kansasr
08-25-2025, 09:55 AM
We have USAA coverage on our golf cart and the premium is $31.97 every 6 months. We do have comprehensive and collision coverage declined. Something doesn’t seem right with your quote.

mrf6969
08-25-2025, 10:22 AM
Through our Ins Broker, all she came up with is Progressive. It costs us $189. for 2 carts and that is the total annual amount.
We used to have Foremost but Progressive was a better deal.

Babbs1957
08-25-2025, 12:39 PM
I have USAA cars and home insurance back north, but down here USAA is horribly overpriced. Already used a different company for homeowners insurance down here. Then last month when we bought a new golf cart, we went with AAA for $14 a month full coverage. He then asked to review USAA car insurance policy which was coming up for renewal two weeks later. He cut under USAA car insurance down here by $800 for 6 month policy and was still able to match all the same criteria in my USAA policy.

We are headed back north in a month for some family visits and plan on making some changes for the future and without the use of USAA on our home and cars/equipment still on the farm. I have been with them for 35 years.

Howdy
08-25-2025, 02:45 PM
For many years, we've had USAA insurance for most everything. They've also been a great company to deal with.

We just got a new golf car and got a quote of $60... per month! Explained to them it's not a low speed vehicle, not registered, no VIN and we didn't even include collision in our request.

Does anyone have experience with USAA and getting your golf cars insured? Am I just not asking them the right questions?

Otherwise, we'll have to go elsewhere. If that's the case can someone recommend and give me their costs for a company that this is the only policy with them? Can't take advantage of any bundling unfortunately.

I am with USAA & worked for them for a few years, they are & always have been rated as one of the Top Insurance Co. in the USA.
That doesn't mean they are the cheapest, what a client get's with USAA is " Trust " & above all top rated " Service ". I know 1st hand.
I am sure you are well aware that USAA is very " Picky " on who quaifies for them to consider getting USAA Insurance.:plane:

DARFAP
08-25-2025, 08:02 PM
For many years, we've had USAA insurance for most everything. They've also been a great company to deal with.

We just got a new golf car and got a quote of $60... per month! Explained to them it's not a low speed vehicle, not registered, no VIN and we didn't even include collision in our request.

Does anyone have experience with USAA and getting your golf cars insured? Am I just not asking them the right questions?

Otherwise, we'll have to go elsewhere. If that's the case can someone recommend and give me their costs for a company that this is the only policy with them? Can't take advantage of any bundling unfortunately.
I canceled my USAA golf cart insurance when I discovered we were paying over $1000/yrs for 2 carts. I asked them what the deal was and they said they it was in line with the coverage on our cars. Never said a word to me about increasing grin the initial very cheap rate. I switched to Progressive.

Howdy
08-25-2025, 08:06 PM
I canceled my USAA golf cart insurance when I discovered we were paying over $1000/yrs for 2 carts. I asked them what the deal was and they said they it was in line with the coverage on our cars. Never said a word to me about increasing grin the initial very cheap rate. I switched to Progressive.

My hope for you is that you never have a claim, unlike USAA ya get what U Pay For.

McClendons
08-26-2025, 04:49 AM
I see the positive comments about USAA. I've been with them 45 years, filed 2 claims. One I was hit by a USAA insured driver while stopped at light (she tried lane splitting and hit 5 cars, was ticketed multiple infractions). The 2nd was a flooded condo caused when an upstairs neighbor broke a pipe. In BOTH CASES, USAA WAS HORRIBLE!. In the car case, they even tried fraud claiming i had to pay deductible "because other insurer would nor pay". I said I was suing, and demanded documentation of other insuer not paying. Story changed.......

I am still with them because of an Umbrella policy, but that may change soon. Way too expensive and dishonest now.

Rocksnap
08-26-2025, 05:18 AM
Something went wrong. I have USAA, and have full coverage cart insurance thru Progressive via USAA.
I pay $80 per year plus an extra $10 for towing.

wawriwwawriw
08-26-2025, 05:32 AM
Reason why I went with Progressive

bhferri85
08-26-2025, 05:49 AM
We have USAA and the cart Insurance is through Progressive. We pay $89 a YEAR.

jnieman
08-26-2025, 06:40 AM
Foremost

For many years, we've had USAA insurance for most everything. They've also been a great company to deal with.

We just got a new golf car and got a quote of $60... per month! Explained to them it's not a low speed vehicle, not registered, no VIN and we didn't even include collision in our request.

Does anyone have experience with USAA and getting your golf cars insured? Am I just not asking them the right questions?

Otherwise, we'll have to go elsewhere. If that's the case can someone recommend and give me their costs for a company that this is the only policy with them? Can't take advantage of any bundling unfortunately.

sowilts
08-26-2025, 07:00 AM
For many years, we've had USAA insurance for most everything. They've also been a great company to deal with.

We just got a new golf car and got a quote of $60... per month! Explained to them it's not a low speed vehicle, not registered, no VIN and we didn't even include collision in our request.

Does anyone have experience with USAA and getting your golf cars insured? Am I just not asking them the right questions?

Otherwise, we'll have to go elsewhere. If that's the case can someone recommend and give me their costs for a company that this is the only policy with them? Can't take advantage of any bundling unfortunately.
USAA EZGO Lithium 20 dollars a Month. Very nice. 😎