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 GoAuto Insurance Company under SERFF tracking number GAIC-134905447. The disposition date is July 28, 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.
A 0.000% headline on zero policies is not a statewide auto freeze. It is an empty-book row. This is not the live Root 0.000% / 0.000% / 0.000% filing on 8,322 policies. It is not the live Erie Insurance Exchange 0.000% filing on 107,179 policies. It is not the live InsureMax 3.200% filing on 1,912 policies. Different company. Different SERFF. Different policy count. This article is about GAIC-134905447.
The same June 2026 auto table also lists Encompass Indemnity Company, SERFF GMMX-134903512, disposition May 8, 2026: 0.000% overall, 0.000% maximum, 0.000% minimum, and 0 policies affected. Two empty-book true-zeros. Two SERFF numbers. Two dates. This piece is the GoAuto row.
By All Seasons Insurance Group
What did Tennessee post on SERFF tracking number GAIC-134905447?
TDCI says it posts the monthly auto table “to help consumers better understand and compare rate changes among insurers.” The GoAuto row is coded as 19.0001 Private Passenger Auto (PPA). GoAuto Insurance Company carries NAIC company code 10685.
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 |
|---|---|---|---|---|---|---|---|---|
| GoAuto Insurance Company | 10685 | GAIC-134905447 | 19.0001 Private Passenger Auto (PPA) | 07/28/2026 | 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.
GoAuto 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 rate impact on 0 policies mean every Tennessee 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 a GoAuto notice. Do not copy a MemberSelect 12.300% ceiling onto GAIC-134905447. Do not copy an InsureMax ±15.000% swing onto an empty book. 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: 07/28/2026. 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 Root, Erie Exchange, and the Encompass empty row?
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, plus 2,151 on Erie Insurance Company. Same three-zero pattern. Large books.
This GoAuto row is 0.000% / 0.000% / 0.000% on 0 policies, SERFF GAIC-134905447, NAIC 10685, disposition July 28, 2026. The Encompass Indemnity Company row on the same table is also 0 policies, SERFF GMMX-134903512, NAIC 15130, disposition May 8, 2026. Same empty-count pattern. Different company. Different SERFF. Different date. Do not paste May 8 onto July 28. Do not paste Encompass onto GoAuto.
The Root article is A 0.000% Tennessee Auto Filing That Actually Stayed 0% — 8,322 Policies, No Individual Swing. The Erie Exchange article is Erie’s 0.000% Tennessee Auto Filing Stayed 0% — 107,179 Policies, No Individual Swing. The InsureMax redistribution article is A 3.2% Tennessee Auto Filing Still Lets Drivers Move ±15% — 1,912 Policies Are on That 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 GoAuto has no auto policies anywhere. It does not mean every Tennessee driver is on GoAuto. 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 GoAuto Insurance Company, NAIC 10685, this row does not describe that premium. If the issuing company is GoAuto, 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 GoAuto Insurance Company, NAIC 10685, and SERFF GAIC-134905447. Confirm that overall, minimum, and maximum all print 0.000% and that policies affected prints 0. Do not stop at the Encompass empty row. That is GMMX-134903512, May 8, 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 and find the company that issued the policy. For this GoAuto row the printed numbers are 0.000%, 0.000%, and 0.000% on 0 policies, disposition July 28, 2026. If the issuing company is not GoAuto, this row 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 GAIC-134905447, NAIC 10685, and the July 28, 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 GAIC-134905447, and NAIC 10685. 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 this 0.000% overall is not the live Root true-zero on 8,322 policies and not the live Erie Exchange true-zero on 107,179 policies. The state posted a GoAuto book with a printed count of 0, NAIC 10685, SERFF GAIC-134905447. 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 3.200% InsureMax overall onto an empty-book row, and not to treat a 0 policy count as a statewide freeze.
Read the three percentages 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.
