The Tennessee Department of Commerce and Insurance (TDCI) posts a monthly table of auto insurance rate changes that insurers file through the System for Electronic Rate and Form Filing (SERFF). In the table labeled “As of September 2026,” American Freedom Insurance Company lists a private passenger auto filing with an overall rate impact of −5.440% on 12,998 policies.
| Item | TDCI table entry |
|---|---|
| Company | American Freedom Insurance Company (NAIC 10864) |
| SERFF tracking number | AFCO-135063115 |
| Coverage type | 19.0001 Private Passenger Auto (PPA) |
| Disposition date | 09/01/2026 |
| Overall rate impact | −5.440% |
| Maximum column / minimum column | −5.440% / −4.240% |
| Policies affected | 12,998 |
Source: TDCI Monthly Auto Policy Rates, table as of September 2026.
What the numbers say
The overall figure is the average effect across the 12,998 policies the filing affects. Both range columns on this row are below zero: the table prints −5.440% in the maximum column and −4.240% in the minimum column. Taken as printed, none of the individual changes the table lists for this filing is an increase. Because the maximum column shows the larger decrease, the SERFF filing itself is the place to confirm how the range was reported.
A rate decrease is not a promise of a lower bill
A rate filing changes the price of the same coverage. Your renewal can still move for other reasons: an added driver, a ticket or at-fault accident, a different vehicle, a new garaging address, a discount that dropped off, or a change in limits or deductibles. Compare your renewal with last term's before assuming the decrease shows up dollar for dollar.
How Tennessee drivers can use this
- Put this term's and last term's declarations pages side by side and confirm drivers, vehicles, limits, deductibles, and discounts.
- If your renewal went up while the filing went down, ask which rating factors changed on your policy.
- Look up AFCO-135063115 on SERFF Filing Access for Tennessee. How-to: How Tennesseans look up insurance rate filings on SERFF Filing Access and TDCI’s monthly tables.
- Do not trade away liability protection just because a premium dropped. Background: Knoxville Auto Insurance: How to Choose Better Liability Limits, Deductibles, and Protection for Real-World Driving.
- Review collision and comprehensive deductibles with fresh eyes: TDCI’s glossary separates collision coverage from comprehensive coverage.
For other Tennessee auto decreases on the TDCI table, see TDCI lists a 6% Tennessee auto rate decrease for Trexis Insurance Corporation on 55,565 policies. and Vault Reciprocal Filed a 14.800% Tennessee Auto Decrease — Some Policies Can Still Move 13.100% Up.
If something on a renewal does not add up after you have talked with your agent or insurer, TDCI accepts consumer complaints online.
Related reading from All Seasons
- TDCI lists a 6% Tennessee auto rate decrease for Trexis Insurance Corporation on 55,565 policies.
- Vault Reciprocal Filed a 14.800% Tennessee Auto Decrease — Some Policies Can Still Move 13.100% Up
- How Tennesseans look up insurance rate filings on SERFF Filing Access and TDCI’s monthly tables.
- TDCI’s glossary separates collision coverage from comprehensive coverage.
- Knoxville Auto Insurance: How to Choose Better Liability Limits, Deductibles, and Protection for Real-World Driving
Free policy review
All Seasons Insurance Group offers a free personal policy review. Call 865-263-1400 or visit asigtn.com/get-a-quote/. This article is informational only and does not promise coverage or eligibility; your policy forms control. Seasons change. So should your coverage.
What did TDCI list for American Freedom Insurance Company?
TDCI's September 2026 auto table lists American Freedom Insurance Company, SERFF AFCO-135063115, private passenger auto, disposition 09/01/2026, overall −5.440%, maximum column −5.440%, minimum column −4.240%, and 12,998 policies affected.
Does every policy on this filing go down?
Both range columns on the TDCI row are below zero, so none of the individual changes the table prints is an increase. Your own renewal can still change because of drivers, vehicles, claims, discounts, or coverage choices.
Why is the maximum column lower than the minimum column?
The table prints −5.440% as the maximum and −4.240% as the minimum. Check the SERFF filing for how the company reported its range.
When was the filing dispositioned?
The TDCI table lists a disposition date of 09/01/2026.
How do I look up the filing?
Use SERFF tracking number AFCO-135063115 on SERFF Filing Access for Tennessee after checking TDCI's Monthly Auto Policy Rates page.
Will my premium drop exactly 5.44%?
Not necessarily. The overall figure is an average across affected policies, and other changes on your policy can move your premium.
Where can I complain if my renewal seems wrong?
Start with your agent or insurer. If the issue is not resolved, TDCI accepts consumer complaints online.
How can All Seasons help after reading this?
Call 865-263-1400 or visit asigtn.com/get-a-quote/ for a free personal policy review. Informational only; no coverage promises. Seasons change. So should your coverage.
