The Tennessee Department of Commerce and Insurance publishes monthly automotive insurance policy rate-change information filed through the System for Electronic Rate and Form Filing. The table current as of June 2026 — last updated August 4, 2026, at 8:56 a.m. — lists Berkley Insurance Company under SERFF tracking number BKON-134875200. The disposition date is April 21, 2026. The overall rate impact is 14.900%. Individual impacts on that same row run from −2.500% to +29.200%. The listing shows 465 policies affected.
A 14.900% headline is not a 14.9% bill for every driver. It is a book-level result. Some policies on that book can move down. Some can move up almost twice the overall figure. The filed individual range on that row is −2.500% to +29.200%.
This is not the 12.700% Shelter Mutual filing already covered on this blog, even though that Shelter change is listed as effective April 21, 2026 — the same calendar date as Berkley’s disposition. Different carrier. Different SERFF number. Different book. It is not the 0.000% State Farm Mutual filing, SERFF SFMA-134835034. It is not the 3.200% InsureMax filing, SERFF ASRN-135021651. Those three posts are already live. This article is about BKON-134875200.
By All Seasons Insurance Group
What did Tennessee post on SERFF tracking number BKON-134875200?
TDCI says it posts the monthly auto table “to help consumers better understand and compare rate changes among insurers.” The Berkley row is coded as 19.0001 Private Passenger Auto (PPA). Berkley Insurance Company carries NAIC company code 32603.
Those figures come from the live DataTable behind the public page. TDCI prints company name, NAIC code, SERFF tracking number, type of coverage, disposition date, overall rate impact, maximum, minimum, and policies affected.
| Company | NAIC | SERFF | Coverage | Disposition | Overall | Minimum | Maximum | Policies affected |
|---|---|---|---|---|---|---|---|---|
| Berkley Insurance Company | 32603 | BKON-134875200 | 19.0001 Private Passenger Auto (PPA) | 04/21/2026 | 14.900% | −2.500% | 29.200% | 465 |
Source: TDCI Monthly Auto Policy Rates, table current as of June 2026; live rows in the page DataTable JSON. Page last updated August 4, 2026, at 8:56 a.m. Figures copied from that JSON. No other percentages added.
Berkley is named only because that row is public on TDCI. This article does not say the carrier will quote, renew, or remain available in East Tennessee.
Does a 14.900% overall rate impact mean every driver pays 14.9% more?
No. The overall figure is a book-level result. The same TDCI table prints a minimum and a maximum on every row. On the Berkley row those bounds are −2.500% and +29.200%.
Do not round 14.900% to 15%. Do not treat 29.200% as a typical outcome. The table does not say how many of the 465 policies sit near the overall number, near the ceiling, or near the floor. A household can land far from 14.900% and still sit inside the filed range.
The table does not print a household premium or a new-business versus renewal effective date. It prints a disposition date: 04/21/2026. The renewal offer prints the new premium. The current declarations page prints what is already in force. This article does not forecast what any reader will pay.
How is this different from the Shelter 12.700% filing that also mentions April 21?
On August 10, 2026, this blog covered a 12.700% increase posted for Shelter Mutual Insurance Company, effective April 21, 2026. That post is a statewide-increase story on a different carrier. Berkley’s row uses the same April 21, 2026 date as a disposition date, not as a published household effective date. Do not paste a 12.700% number onto a Berkley renewal. Do not paste a 14.900% number onto a Shelter renewal.
On August 19, 2026, this blog covered State Farm Mutual Automobile Insurance Company, SERFF SFMA-134835034, disposition May 29, 2026: 0.000% overall, −17.440% to +18.450%, on 1,212,042 policies. That 0.000% story is a redistribution on a book of more than a million policies. It is not SERFF BKON-134875200.
A later ASIG post covers InsureMax Insurance Company, SERFF ASRN-135021651, disposition August 3, 2026: 3.200% overall, −15.000% to +15.000%, on 1,912 policies. That is a mid-single-digit overall with a ±15.000% range. This Berkley row is a mid-teens overall with a 29.200% ceiling on 465 policies.
The Shelter article is A 12.7% Tennessee Auto Rate Increase Just Cleared the State Filing System. The State Farm article is A 0% Tennessee Auto Filing Still Moved Some Drivers 18% — 1.2 Million Policies Are on That Book. The InsureMax article is A 3.2% Tennessee Auto Filing Still Lets Drivers Move ±15% — 1,912 Policies Are on That Book. If a renewal notice mentions a percentage and no SERFF number, look the carrier up on the current TDCI table before assuming it is any of those filings, or this 14.900% change.
What do the filed minimum and maximum numbers mean on a renewal?
They are the individual-impact bounds TDCI printed for that SERFF row. They are not a promise that any one household will move to the maximum, or to the minimum, or land on 14.900%. They are the range shown for policies on that book.
A renewal offer is a new premium. A declarations page is the current contract summary: vehicles, coverages, limits, deductibles, listed drivers, and the premium that was in force. The comparison that matters this week is arithmetic, not a phone-script explanation that “the company filed 14.9%.”
If the renewal premium is different from the current premium, and the declarations page otherwise matches — same cars, same limits, same deductibles, same listed drivers — the percent change is the new premium minus the old premium, divided by the old premium. Do not round a three-decimal filing number to a whole percent. Then read that percent against the filed minimum and maximum. For this book the printed bounds are −2.500% and +29.200%. A change inside the range is consistent with the filing. It is not proof that the filing is the only reason the premium moved. Territory, vehicles, drivers, and discounts can also move a number. The TDCI table does not assign a reason to a household.
How can a Tennessee driver look this filing up?
Start on the public table. Open TDCI Monthly Auto Policy Rates. The page header says “As of June 2026.” Find Berkley Insurance Company and SERFF BKON-134875200. Read the overall, minimum, maximum, policies-affected, and disposition-date columns.
To read the filing itself, use SERFF Filing Access for Tennessee. TDCI says certain rate and form filings are available there for public review. Saving or printing through SFA is free of cost. The department also keeps a public kiosk for in-person review during normal business hours. Printing at that kiosk costs 50 cents per page. For an appointment, the portal lists (615) 741-2825 and [email protected]. Help finding a filing: (615) 741-5074, Monday through Friday during normal business hours.
What should a Tennessee driver actually do this week?
Do the paperwork, not the guesswork. The table is public. The renewal and the current declarations page are the two documents that matter this week.
- Pull the current declarations page — the page, not a cropped phone photo of a premium total.
- Pull the renewal offer for the same policy number.
- Line them up: vehicles, any VIN that is printed, listed drivers, liability limits, comprehensive and collision deductibles, and the premium.
- If the only material change is the premium, compute the percent change. Do not estimate. Do not round.
- Open the TDCI monthly auto-rate table and find the company that issued the policy. Read the filed minimum, overall, and maximum. For this Berkley book those printed numbers are −2.500%, 14.900%, and +29.200%.
- If the percent change sits inside the filed range, treat the filing as one possible explanation, not the only one.
- If the percent change sits outside the filed minimum and maximum, write down both premiums, the exact percent, SERFF BKON-134875200, and the April 21, 2026 disposition date. Then use the TDCI complaint path below.
- Compare the current offer with other quotes. A free policy review or quote is available from All Seasons Insurance Group at asigtn.com/get-a-quote or 865-263-1400. Practical coverage questions after a renewal sit in our Knoxville liability and deductible guide.
What if a renewal change does not match the filed range?
TDCI Consumer Insurance Services exists to educate consumers and mediate insurance-related disputes. Investigators determine whether the insurance company or producer is acting in accordance with Tennessee laws, rules, and regulations. Consumers who have an issue with their insurance company can file a complaint on the online insurance complaint form, or print the form and mail or fax it. The policy must have been written in Tennessee. Mail goes to Consumer Insurance Services, 500 James Robertson Parkway, 10th Floor, Nashville, TN 37243. Questions: 615-741-2218 or 1-800-342-4029.
Bring the two premiums, the percent change, the declarations page, the renewal offer, and SERFF BKON-134875200. Do not send an AI-generated summary as the complaint. TDCI warns that AI tools can generate inaccurate information about insurance topics and that incorrect AI material can slow a complaint because the Division has to fact-check it.
What does a 14.900% filing on 465 policies actually tell a driver?
It tells you the carrier filed a book-level result of 14.900% and a household-level range that is not 14.900%. The state posted that fact on a consumer page built so people can compare rate changes among insurers. It does not tell you what one household will pay. It does not promise coverage, eligibility, or price. It tells you 465 policies are on the Berkley row, NAIC 32603, and that the printed individual bounds are −2.500% and +29.200%. A smaller book does not make the printed swing narrower.
A 14.9% headline that can still move a driver 29.200% up, or 2.500% down, is the story. Read the three percentages as they were printed. Then put this week’s renewal next to the current declarations page.
Seasons change. So should your coverage.
All Seasons Insurance Group can sit a current declarations page next to a renewal offer and walk the filed minimum, overall, and maximum. That is a free policy review or quote — not a coverage promise and not a guarantee of eligibility or price. Call 865-263-1400 or request it at https://asigtn.com/get-a-quote/.
This article is informational only. It does not promise coverage, price, eligibility, or that any filing will change a specific reader’s premium.
