The city treats golf carts and low-speed vehicles (LSVs) differently. A golf cart is built for golf and can't go faster than 20 mph. An LSV has four wheels and a top speed between 20 and 25 mph; the code refers to the federal LSV safety standard (49 CFR 571.500) and Florida's LSV law (§ 316.2122).
Inside the city, golf carts may drive on streets that were in the city on September 8, 2005, except on the main roads listed below. They may cross those roads only at marked crossings. Drivers 18 and older need a valid government photo ID; drivers under 18 need a learner's permit or a driver's license.
Where golf carts are banned
- Front Beach Road, Hutchison Boulevard (Middle Beach Road), Panama City Beach Parkway (US 98), Thomas Drive, South Thomas Drive and North Lagoon Drive
- Beach Boulevard between South Thomas Drive and Front Beach Road, Churchwell Road, Richard Jackson Boulevard south of the Parkway, Alf Coleman Road, Clara Avenue, Hill Road, Powell Adams Road and Highway 79
Where can you drive an LSV?
The city's own LSV page says an LSV may only use streets posted at 35 mph or less. It may not use Panama City Beach Parkway (US 98), Hutchison Boulevard (Middle Beach Road) or any road over 35 mph. The driver needs a valid driver's license on hand, and the LSV must be titled, registered and insured. Drivers must wear seat belts and use child car seats when the law requires them. Ask the rental company for a permitted route from where you stay, and check that the vehicle has the city's sticker or medallion.
Source: City of Panama City Beach: low-speed vehicles.
If you rent
For a rented LSV or other rented "amusement vehicle", the city requires a driver's license valid on Florida's public roads. The driver has to be named on the rental agreement, carry a copy of it, and carry the safety brochure dated and signed that day.
Outside the city
In unincorporated Bay County, golf carts may only use roads the county board has designated, not on numbered US, state or county roads or roads over 30 mph (with narrow legal exceptions), crossing them only at marked crossings, and only from sunrise to sunset. They're banned from sidewalks and trails.
Sources: city code chapter 22 (§§ 22-05, 22-100, 22-107, 22-108), Bay County code chapter 24 (§§ 24-58, 24-59).