The Tennessee Department of Commerce and Insurance (TDCI) posts a monthly table of auto insurance rate changes filed through SERFF. In the table labeled “As of September 2026,” Hartford Underwriters Insurance Company (NAIC 30104) lists a private passenger auto filing with an overall rate impact of 10.500% on 496 policies.
| Item | TDCI table entry |
|---|---|
| Company | Hartford Underwriters Insurance Company |
| SERFF tracking number | HART-134989935 |
| Coverage type | 19.0001 Private Passenger Auto (PPA) |
| Disposition date | 07/09/2026 |
| Overall rate impact | 10.500% |
| Minimum / maximum | 0.000% / 22.500% |
| Policies affected | 496 |
Source: TDCI Monthly Auto Policy Rates, table as of September 2026.
What the numbers say
The overall figure, 10.500%, is the average effect across the 496 policies the filing affects. The printed range runs from 0.000% to 22.500%. Because the minimum is zero, none of the individual changes the table lists for this filing is a decrease — some policies can stay flat while others rise as high as the printed maximum.
What the numbers do not say
A rate filing changes the price of the same coverage. Your own renewal can move for other reasons too: a new or newly licensed driver, a ticket or at-fault accident, a different vehicle, a new garaging address, or a change in limits or deductibles. The table is a reason to read your renewal closely, not a quote.
Ways Tennessee drivers can respond to an increase
- Put this term’s and last term’s declarations pages side by side and confirm drivers, vehicles, limits, deductibles, and discounts.
- Ask which discounts you may qualify for and which ones dropped off.
- Price a higher collision or comprehensive deductible, knowing it shifts more of a claim onto you. Refresher: TDCI’s glossary separates collision coverage from comprehensive coverage.
- Do not cut liability limits just to save money without understanding the trade-off. Background: Knoxville Auto Insurance: How to Choose Better Liability Limits, Deductibles, and Protection for Real-World Driving.
- Look up the filing on SERFF Filing Access for Tennessee using HART-134989935. How-to: How Tennesseans look up insurance rate filings on SERFF Filing Access and TDCI’s monthly tables.
- Compare quotes. Rates move company by company, and one insurer’s filing says nothing about another’s.
For other recent Tennessee auto filings with sizable increases, see A 12.7% Tennessee Auto Rate Increase Just Cleared the State Filing System and Berkley’s 14.900% Tennessee Auto Filing Still Allows a 29.200% Hit — 465 Policies.
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
- A 12.7% Tennessee Auto Rate Increase Just Cleared the State Filing System
- Berkley’s 14.900% Tennessee Auto Filing Still Allows a 29.200% Hit — 465 Policies
- 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
- How Tennesseans look up insurance rate filings on SERFF Filing Access and TDCI’s monthly tables.
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 Hartford Underwriters Insurance Company?
TDCI's September 2026 auto table lists Hartford Underwriters Insurance Company, SERFF HART-134989935, private passenger auto, disposition 07/09/2026, overall 10.500%, minimum 0.000%, maximum 22.500%, and 496 policies affected.
Does every policy on this filing go up?
The table's minimum is 0.000%, so some individual changes can be flat while others rise. The maximum listed is 22.500%. Your own renewal can also change because of drivers, vehicles, claims, or coverage choices.
What does overall rate impact mean?
It is the average effect across the policies the filing affects. The minimum and maximum columns show the range of individual changes.
When was the filing dispositioned?
The TDCI table lists a disposition date of 07/09/2026.
How do I look up the filing?
Use the SERFF tracking number HART-134989935 on SERFF Filing Access for Tennessee, after checking TDCI's Monthly Auto Policy Rates page.
Should I lower my liability limits to offset the increase?
That is a personal decision with real trade-offs. Review limits and deductibles with a licensed agent before cutting coverage.
Where can I complain if my renewal seems wrong?
Start with your agent or insurer. 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.
