Certain areas of Nevada require insurance on golf carts.

The Nevada Department of Motor Vehicles states that golf carts may be operated in residential developments where the appropriate city or county government has approved their use. A DMV permit and insurance are required in certain developments in Clark County where carts are used as general transportation.

Since Las Vegas is located within Clark County it would appear that you may be required to have a DMV permit and insurance depending upon the local of your housing development and if your golf car is used for general transportation.

It is the responsibility of the golf cart owner to know what roads are designated as permissible for the operation of golf carts.

Permits for Golf Carts is discussed in Nevada Revised Statute (NRS) 482.398 which is also title Issuance in county whose population is 400,000 or more; conditions under which permit not necessary. Here it states:

1. In a county whose population is 400,000 or more, a permit for the operation of a golf cart may be issued by the Department if the golf cart is equipped as required by subsection 2 and evidence of insurance as required for the registration of a motor vehicle is submitted when application for the permit is made.

2. A golf cart must have the following equipment:

a. Headlamps;

b. Tail lamps, reflectors, stop lamps and an emblem or placard for slow moving vehicles;

c. A mirror; and

d. Brakes.
Each of these items of equipment must meet the standards prescribed for motor vehicles generally.

3. A permit is not required for the operation of a golf cart during daylight, by a person holding a current driver’s license, if the golf cart is:

a. Equipped with an emblem or placard for slow moving vehicles; and

b. Operated solely upon that portion of a highway designated by the appropriate city or county as a:

1. Crossing for golf carts; or

2. Route of access between a golf course and the residence or temporary abode of the owner or operator of the golf cart.

Golf carts that require permits must be inspected at a DMV VIN Inspection Full Service Station prior to first-time registration. Permits cost $10.00 per year and expire on December

The NV DMV notes you must provide a Nevada Evidence of Insurance card at registration.

The best way to find out if you are required in your current situation to have your golf car insured is to contact your local DMV. They should be able to determine if your area's laws require a DMV permit and insurance policy to be on your golf cart.