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 Encompass Indemnity Company under SERFF tracking number GMMX-134903512. The disposition date is May 8, 2026. The overall rate impact is 0.000%. The maximum rate impact is 0.000%. The minimum rate impact is 0.000%. The listing shows 0 policies affected.
That last column is the story. TDCI printed a true-zero on an empty count. This is not the live GoAuto 0.000% filing on 0 policies, SERFF GAIC-134905447, disposition July 28, 2026. Same empty-count pattern. Different company. Different SERFF. Different date. This article is about GMMX-134903512.
By All Seasons Insurance Group
What did Tennessee post on SERFF tracking number GMMX-134903512?
TDCI says it posts the monthly auto table “to help consumers better understand and compare rate changes among insurers.” The Encompass Indemnity Company row is coded as 19.0001 Private Passenger Auto (PPA). Encompass Indemnity Company carries NAIC company code 15130.
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 |
|---|---|---|---|---|---|---|---|---|
| Encompass Indemnity Company | 15130 | GMMX-134903512 | 19.0001 Private Passenger Auto (PPA) | 05/08/2026 | 0.000% | 0.000% | 0.000% | 0 |
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. The JSON prints the policy count as 0.
Encompass Indemnity Company 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. It does not say any driver is on this book.
Does a 0.000% overall on 0 policies mean every Tennessee Encompass driver stays flat?
No. The policies-affected field is 0. TDCI printed a true-zero overall, maximum, and minimum on an empty count. A 0.000% headline on zero policies is not a freeze for the 1,212,042 State Farm Mutual policies on SFMA-134835034. It is not a freeze for the 8,322 Root policies on CLIN-134978668. It is not a freeze for a household that is not on this SERFF.
Do not copy a State Farm Mutual 18.450% ceiling onto GMMX-134903512. Do not copy a MemberSelect 12.300% ceiling onto this empty book. Do not copy an InsureMax ±15.000% swing onto a true-zero. TDCI printed 0.000% three times here, and printed 0 policies. That is the fact this article is about.
The table does not print a household premium or a new-business versus renewal effective date. It prints a disposition date: 05/08/2026. 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 GoAuto, Root, and Erie Exchange?
The live GoAuto post covers GoAuto Insurance Company, SERFF GAIC-134905447, disposition July 28, 2026: 0.000% / 0.000% / 0.000% on 0 policies. Same three-zero pattern. Same empty count. Different company. Different SERFF. Different date. Do not paste July 28 onto May 8. Do not paste GAIC-134905447 onto GMMX-134903512.
The live Root post covers Root Insurance Company, SERFF CLIN-134978668, disposition July 1, 2026: 0.000% / 0.000% / 0.000% on 8,322 policies. Same three-zero pattern. Non-zero book. The live Erie Exchange post covers ERAP-134830669, disposition March 6, 2026: 0.000% / 0.000% / 0.000% on 107,179 policies. Same three-zero pattern. Large book. If a renewal notice says “the company filed 0%” and does not print a SERFF number, look the company name and the policy count up.
What does a 0 policy count on a true-zero auto row actually mean?
It means TDCI printed 0 in the policies-affected column for this SERFF. It does not mean Encompass Indemnity Company has no auto policies anywhere. It does not mean every Tennessee driver is on Encompass. It means the public monthly table lists this filing against a count of 0. The table does not explain why the count is 0. This article does not invent a reason.
A driver’s declarations page is still the contract summary: vehicles, coverages, limits, deductibles, listed drivers, and the premium in force. If the issuing company is not Encompass Indemnity Company, NAIC 15130, this row does not describe that premium. If the issuing company is Encompass Indemnity Company, the printed individual range on this row is 0.000% to 0.000% on a count of 0. That is not a household forecast. Compare the renewal to the current declarations page. Do not round. Then read the percent against 0.000%, 0.000%, and 0.000%, and against the fact that TDCI listed 0 policies.
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 Encompass Indemnity Company, NAIC 15130, SERFF GMMX-134903512. Confirm that overall, minimum, and maximum all print 0.000% and that policies affected prints 0. Do not stop at the GoAuto empty row. That is GAIC-134905447, July 28, 2026.
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. A 0.000% / 0.000% / 0.000% row with 0 policies is still a public row. 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. Confirm the issuing company name and, if printed, the NAIC code.
- 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. For this Encompass Indemnity Company row the printed numbers are 0.000%, 0.000%, and 0.000% on 0 policies, disposition May 8, 2026. If the issuing company is GoAuto, use the July 28 empty row instead. If the issuing company is neither, this SERFF is not the explanation.
- If the percent change is not 0.000% and the page otherwise matches, write down both premiums, the exact percent, SERFF GMMX-134903512, NAIC 15130, and the May 8, 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, SERFF GMMX-134903512, and NAIC 15130. 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 0.000% filing on 0 policies actually tell a driver?
It tells you the June 2026 auto table has a second empty-book true-zero next to GoAuto. The state posted Encompass Indemnity Company, NAIC 15130, SERFF GMMX-134903512, 0.000% three times, and 0 policies, disposition May 8, 2026. It does not tell you what one household will pay. It does not promise coverage, eligibility, or price. It tells you not to paste a July 28 GoAuto date, an 8,322 Root count, or an 18.450% Mutual ceiling onto this May 8 row.
Read the company name, the three zeros, and the policy count as they were printed. Then put this week’s renewal next to the current declarations page. If the premium moved and the page did not, this row is not the explanation.
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.
