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 Erie Insurance Exchange under SERFF tracking number ERAP-134830669. The disposition date is March 6, 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 107,179 policies affected.
A 0.000% headline on this row is not a redistribution story. TDCI printed the same number three times: overall, maximum, and minimum. That is not the live State Farm Mutual 0.000% filing, SERFF SFMA-134835034, which posted a −17.440% to +18.450% swing on 1,212,042 policies. It is not the live MemberSelect 0.000% filing. It is not the live Erie 10% homeowners filing for December 1, 2026 renewals. Different line of business. Different SERFF. This article is about ERAP-134830669 on private passenger auto.
The same SERFF number also appears on Erie Insurance Company, NAIC 26263: 0.000% overall, 0.000% maximum, 0.000% minimum, 2,151 policies, disposition March 6, 2026. Two legal entities. One tracking number. Two true-zero rows.
By All Seasons Insurance Group
What did Tennessee post on SERFF tracking number ERAP-134830669?
TDCI says it posts the monthly auto table “to help consumers better understand and compare rate changes among insurers.” Both Erie rows are coded as 19.0001 Private Passenger Auto (PPA). Erie Insurance Exchange carries NAIC company code 26271. Erie Insurance Company carries NAIC 26263.
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 |
|---|---|---|---|---|---|---|---|---|
| Erie Insurance Exchange | 26271 | ERAP-134830669 | 19.0001 Private Passenger Auto (PPA) | 03/06/2026 | 0.000% | 0.000% | 0.000% | 107179 |
| Erie Insurance Company | 26263 | ERAP-134830669 | 19.0001 Private Passenger Auto (PPA) | 03/06/2026 | 0.000% | 0.000% | 0.000% | 2151 |
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 Exchange policy count as 107179 and the Company count as 2151, without commas.
Erie is named only because those rows are public on TDCI. This article does not say either company will quote, renew, or remain available in East Tennessee.
Does a 0.000% overall rate impact always mean some drivers still move?
No. Not on these rows. The live State Farm Mutual post and the live MemberSelect post are both 0.000% overall with a printed individual range that is not 0.000%. The live Root post is 0.000% / 0.000% / 0.000% on 8,322 policies. These Erie rows are the same three-zero pattern on a much larger Exchange book: 107,179 policies, plus 2,151 on Erie Insurance Company.
Do not copy a State Farm 18.450% ceiling onto an Erie auto renewal. Do not copy a MemberSelect 12.300% ceiling onto this book. Do not copy the live Erie 10% homeowners increase onto ERAP-134830669. TDCI printed 0.000% three times on both auto rows. 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: 03/06/2026. 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 live Erie 10% homeowners filing?
The live homeowners post covers Erie Insurance Exchange on a closed ErieSecure homeowners book: a 10% overall increase, 5,544 policyholders, effective December 1, 2026 for renewals. That is homeowners. This piece is private passenger auto, SERFF ERAP-134830669, disposition March 6, 2026, 0.000% / 0.000% / 0.000% on 107,179 Exchange policies and 2,151 Company policies.
Same brand word. Different coverage type. Different SERFF. Different dates. Different percentages. Do not paste a 10% homeowners number onto an auto declarations page. Do not paste a 0.000% auto number onto a homeowners renewal.
The homeowners article is Erie Files a 10% Homeowners Increase in Tennessee for Dec. 1 Renewals. The Root true-zero auto article is A 0.000% Tennessee Auto Filing That Actually Stayed 0% — 8,322 Policies, No Individual Swing. The State Farm Mutual redistribution article is A 0% Tennessee Auto Filing Still Moved Some Drivers 18% — 1.2 Million Policies Are on That Book. If a renewal notice says “Erie filed 0%” or “Erie filed 10%” and does not print a SERFF number, look the coverage type up first.
What do a 0.000% minimum and 0.000% maximum mean on a renewal?
They are the individual-impact bounds TDCI printed for that SERFF row. On both Erie auto books those bounds are the same number as the overall: 0.000%. They are not a promise that a household premium cannot move for some other reason. Territory, vehicles, drivers, discounts, and a change in the declarations page can still move a number. The TDCI table does not assign a reason to a household.
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. Confirm whether the issuing company is Erie Insurance Exchange, NAIC 26271, or Erie Insurance Company, NAIC 26263. Then compute the percent change. Do not round. Then read that percent against 0.000%, 0.000%, and 0.000%.
A household percent change that is not 0.000% is not explained by the individual range printed on ERAP-134830669. That is the opposite of the State Farm Mutual and MemberSelect 0.000% rows, where a non-zero household change can still sit inside a printed swing. Write the two premiums down. Then use the TDCI complaint path below if the change cannot be reconciled to this row or to some other documented change on the declarations page.
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 Erie Insurance Exchange, NAIC 26271, and Erie Insurance Company, NAIC 26263, both under SERFF ERAP-134830669. Confirm that all three rate-impact columns print 0.000% on both rows. Read the policy counts: 107179 and 2151 in the JSON.
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 on 107,179 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 Exchange versus Company.
- 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. For these Erie auto books the printed numbers are 0.000%, 0.000%, and 0.000%.
- If the percent change is 0.000% and the declarations page otherwise matches, the printed row is consistent with a flat premium.
- If the percent change is not 0.000%, write down both premiums, the exact percent, SERFF ERAP-134830669, the NAIC code, and the March 6, 2026 disposition date. Look for a documented change on the declarations page. If there is none, 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 ERAP-134830669, and the NAIC code 26271 or 26263. 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% / 0.000% / 0.000% filing on 107,179 policies actually tell a driver?
It tells you this 0.000% overall is not the same fact as the State Farm Mutual 0.000% overall, and it is not the Erie 10% homeowners increase. The state posted an Exchange book of 107,179 auto policies, NAIC 26271, plus 2,151 on Erie Insurance Company, with no printed individual swing. It does not tell you what one household will pay. It does not promise coverage, eligibility, or price. It tells you not to paste an 18.450% Mutual ceiling, a 12.300% MemberSelect ceiling, or a 10% homeowners number onto ERAP-134830669.
Read the three percentages 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.
