GoAuto Insurance is introducing a new private passenger auto program in Tennessee, based on an initial form filing submitted on May 4, 2026.

The program follows a standard personal auto structure, offering liability, medical payments, uninsured/underinsured motorist coverage, and optional coverages such as towing, rental reimbursement, comprehensive, and collision. The policy includes typical exclusions around commercial use, ride-sharing, delivery activity, and vehicle sharing, reinforcing a focus on personal-use risks.

A key underwriting element is strict household disclosure. Applicants must list all residents and drivers, with the ability to exclude individuals through a named driver exclusion endorsement. Failure to disclose household members or misrepresentation can result in policy voidance.

The filing also highlights operational guardrails, including non-refundable fees, requirements to report new household residents within 30 days, and limitations on coverage for business-related vehicle use unless explicitly rated.

Bottom Line: GoAuto is entering Tennessee with a tightly underwritten personal auto product that limits higher-risk usage such as delivery and ride-sharing. The carrier currently operates in Florida, Alabama, Georgia, Louisiana, Ohio, Texas, and Nevada.