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,” Direct Insurance Company lists a private passenger auto filing at 0.000% overall, with a maximum of 0.000% and a minimum of 0.000%, on 108,398 policies.
| Item | TDCI table entry |
|---|---|
| Company | Direct Insurance Company (NAIC 37220) |
| SERFF tracking number | GMMX-135067968 |
| Coverage type | 19.0001 Private Passenger Auto (PPA) |
| Disposition date | 08/28/2026 |
| Overall rate impact | 0.000% |
| Minimum / maximum | 0.000% / 0.000% |
| Policies affected | 108,398 |
Source: TDCI Monthly Auto Policy Rates, table as of September 2026.
A flat filing on a very large book
Many 0% filings on TDCI's table hide a wide individual range: the overall number averages to zero while some policies go down and others go up. This row is different. The overall, maximum, and minimum columns all read 0.000%, so the table shows no individual rate change for any of the 108,398 policies. That is one of the larger private passenger books on the September table.
A zero filing is not a frozen bill
A flat rate filing changes the price of the same coverage by zero on average and, on this row, by zero for every listed change. 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 this term's declarations page with last term's before assuming the premium will match last year 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 shows 0%, ask which rating factors changed on your policy.
- Look up GMMX-135067968 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 stayed flat. 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 Tennessee auto decreases that do show a negative overall on the same 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 Direct Insurance Company?
TDCI's September 2026 auto table lists Direct Insurance Company, SERFF GMMX-135067968, private passenger auto, disposition 08/28/2026, overall 0.000%, maximum 0.000%, minimum 0.000%, and 108,398 policies affected.
Does 0% overall mean nobody's rate changed?
On this row, yes as printed: the overall, maximum, and minimum columns all read 0.000%. Many other 0% filings show wider individual ranges.
Can my premium still go up?
Yes. Changes to drivers, vehicles, claims, discounts, garaging address, limits, or deductibles can move a premium even when the filing shows no rate change.
When was the filing dispositioned?
The TDCI table lists a disposition date of 08/28/2026.
Why would an insurer file a 0% change?
The TDCI table does not say. The filing documents on SERFF Filing Access are the place to look.
How do I look up the filing?
Use SERFF tracking number GMMX-135067968 on SERFF Filing Access for Tennessee after checking TDCI's Monthly Auto Policy Rates page.
What if my renewal does not match what I expected?
Ask your agent or insurer to walk through the declarations page. 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.
