Low Speed Vehicle Insurance — LSV Coverage Nationwide
Low speed vehicles (LSVs) are a growing category of street-legal vehicles designed for neighborhoods, communities, and roads with lower speed limits. Insurance coverage may be required by your state and may help protect against liability and physical damage.
Coverage Options
The following coverage options may be available for Low Speed Vehicle Insurance. Availability, terms, and limits vary by state and policy.
Liability Coverage
May cover bodily injury and property damage to others in an at-fault accident on public roads.
Collision Coverage
May help pay for repairs to your LSV after a collision.
Comprehensive Coverage
May cover theft, vandalism, fire, and weather damage when your LSV is parked or in storage.
Medical Payments
May help cover medical expenses for you and passengers following a covered incident.
Uninsured Motorist
May provide coverage if you are hit by an uninsured driver while operating your LSV.
Battery & Electric Systems
Some policies may include coverage for battery and electrical system repairs on electric LSVs.
Who May Need Low Speed Vehicle Insurance?
Residents of active adult communities, beachside towns, resort areas, and anyone who uses an LSV on public roads for local transportation.
Top 5 Reasons to Consider LSV Insurance
- Most states require liability insurance for low speed vehicles operated on public roads up to 35 mph.
- LSVs share roads with larger, faster vehicles, increasing the potential severity of accidents.
- Many LSVs are electric, making battery and electrical repairs potentially expensive without coverage.
- Liability exposure on public roads can be significant even at low speeds.
- If your LSV is financed, the lender may require comprehensive and collision coverage.
Request a Low Speed Vehicle Insurance Quote
Complete the form below and a representative may follow up to discuss available options. No obligation required.