A 3.2% Tennessee Auto Filing Still Lets Drivers Move ±15% — 1,912 Policies Are on That Book

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 InsureMax Insurance Company under SERFF tracking number ASRN-135021651. The disposition date is August 3, 2026. The overall rate impact is 3.200%. Individual impacts on that same row run from −15.000% to +15.000%. The listing shows 1,912 policies affected.

A 3.200% headline is not a 3.2% bill for every driver. It is a book-level result. Some policies on that book can move down. Some can move up. The filed individual range on that row is plus or minus 15.000%.

A companion row posted the same day names AssuranceAmerica Insurance Company under SERFF tracking number ASRN-135021707. That row is also 19.0001 Private Passenger Auto (PPA). The overall rate impact is 3.400%. Individual impacts run from −15.000% to +15.000% across 830 policies. The disposition date is the same: August 3, 2026.

This is not the 12.700% Shelter Mutual filing already covered on this blog. It is not the 0.000% State Farm Mutual filing, SERFF SFMA-134835034, already on this blog. Different carriers. Different SERFF numbers. Different stories.

By All Seasons Insurance Group

What did Tennessee post on SERFF tracking number ASRN-135021651?

TDCI says it posts the monthly auto table “to help consumers better understand and compare rate changes among insurers.” Both of the August 3 rows are coded as 19.0001 Private Passenger Auto (PPA). InsureMax Insurance Company carries NAIC company code 10922. AssuranceAmerica Insurance Company carries NAIC company code 11558.

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.

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.

TDCI’s homeowners and automotive information hub links the same monthly table, a consumer guide for auto insurance, and SERFF Filing Access. The Tennessee SERFF portal says certain rate and form filings are available for public review through the NAIC SFA interface. These two carriers are named only because those rows are public on TDCI.

Does a 3.200% overall rate impact mean every driver pays 3.2% more?

No. The overall figure is a book-level result. The same TDCI table prints a minimum and a maximum on every row. On the InsureMax row those bounds are −15.000% and +15.000%. On the AssuranceAmerica companion row they are also −15.000% and +15.000%.

A 3.2% headline can hide a 15% increase for one household and a 15% decrease for another. That is why the minimum and maximum columns exist. Do not round 3.200% to 3%. Do not treat 15.000% as a typical outcome. The table does not say how many of the 1,912 policies sit near the overall number,near the ceiling, or near the floor.

The table does not print a household premium or a new-business versus renewal effective date. It prints a disposition date: 08/03/2026. 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 Shelter 12.700% and State Farm 0.000% filings already on this blog?

On August 10, 2026, this blog covered a 12.700% increase posted for Shelter Mutual Insurance Company, effective April 21, 2026. That post is a statewide-increase story. It is not this filing. Do not paste a 12.700% number onto an InsureMax or AssuranceAmerica renewal.

On August 19, 2026, this blog covered State Farm Mutual Automobile Insurance Company, SERFF SFMA-134835034, disposition May 29, 2026: 0.000% overall, −17.440% to +18.450%, on 1,212,042 policies, plus a Fire and Casualty companion row. That 0.000% story is still live as of August 19. It is a redistribution on a much larger book. It is not a 3.200% overall filing, and it is not SERFF ASRN-135021651.

Do not treat the three as the same filing. The Shelter article is A 12.7% Tennessee Auto Rate Increase Just Cleared the State Filing System. The State Farm article is A 0% Tennessee Auto Filing Still Moved Some Drivers 18% — 1.2 Million Policies Are on That Book. If a renewal notice mentions a percentage and no SERFF number, look the carrier up on the current TDCI table before assuming it is the 12.700% change, the 0.000% change, or this 3.200% change.

What do the filed minimum and maximum numbers mean on a renewal?

They are the individual-impact bounds TDCI printed for that SERFF row. They are not a promise that any one household will move to the maximum, or to the minimum, or land on 3.200%. They are the range shown for policies on that book.

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. The comparison that matters this week is arithmetic, not a phone-script explanation that “the company filed 3.2%.”

If the renewal premium is different from the current premium, and the declarations page otherwise matches — same cars, same limits, same deductibles, same listed drivers — the percent change is the new premium minus the old premium, divided by the old premium. Do not round a three-decimal filing number to a whole percent.

Then read that percent against the filed minimum and maximum. For the InsureMax book the printed bounds are −15.000% and +15.000%. For the AssuranceAmerica book they are the same printed bounds, with a 3.400% overall instead of 3.200%. A change inside the range is consistent with the filing. It is not proof that the filing is the only reason the premium moved. Territory, vehicles, drivers, and discounts can also move a number. The TDCI table does not assign a reason to a household. It does not forecast next year’s premium either.

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 InsureMax Insurance Company and SERFF ASRN-135021651. Read the overall, minimum, maximum, policies-affected, and disposition-date columns. Then find the AssuranceAmerica companion row, SERFF ASRN-135021707, posted the same day.

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 mailto:[email protected].

Help finding a filing: (615) 741-5074, Monday through Friday during normal business hours. SERFF technical problems go to the SERFF Help Desk at (816) 783-8990 or mailto:[email protected], 8:00 a.m. to 5:00 p.m. Central, Monday through Friday. TDCI’s Auto Insurance 101 page links the monthly table, the consumer auto guide, and SERFF Filing Access.

What should a Tennessee driver actually do this week?

Do the paperwork, not the guesswork. The table is public. 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.
• 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. Read the filed minimum, overall, and maximum. For this InsureMax book those printed numbers are −15.000%, 3.200%, and +15.000%.
• If the company name on the declarations page is AssuranceAmerica Insurance Company, use the companion figures: −15.000%, 3.400%, and +15.000%, SERFF ASRN-135021707, 830 policies, disposition 08/03/2026.
• If the percent change sits inside the filed range, treat the filing as one possible explanation, not the only one.
• If the percent change sits outside the filed minimum and maximum, write down both premiums, the exact percent, the matching SERFF number, and the August 3, 2026 disposition date. Then use the TDCI complaint path below.
• Compare the current offer with other quotes. TDCI publishes the table so consumers can compare rate changes among insurers. A free policy review or quote is available from All Seasons Insurance Group at http://asigtn.com/get-a-quote or 865-263-1400.

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. Email: mailto:[email protected].

Bring the two premiums, the percent change, the declarations page, the renewal offer, and SERFF ASRN-135021651 — or ASRN-135021707 if the declarations page names AssuranceAmerica Insurance Company. 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 3.200% filing on 1,912 policies actually tell a driver?

It tells you the carrier filed a book-level result of 3.200% and a household-level range that is not 3.200%. The state posted that fact on a consumer page built so people can compare rate changes among insurers. It does not tell you what one household will pay. It does not promise coverage, eligibility, or price. It does not forecast next year’s premium.

It tells you 1,912 policies are on the InsureMax row, NAIC 10922, and that the printed individual bounds are −15.000% and +15.000%. The AssuranceAmerica companion row is 830 policies, NAIC 11558, 3.400% overall, still −15.000% to +15.000%, still dispositioned August 3, 2026, still a separate SERFF number: ASRN-135021707.

A 3.2% headline that can still move a driver 15.000% either way is the story. Read the three percentages as they were printed. Then put this week’s renewal next to the current declarations page.

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.

Frequently asked questions

What did Tennessee post on SERFF tracking number ASRN-135021651?

TDCI’s June 2026 monthly auto-rate table lists InsureMax Insurance Company, NAIC 10922, SERFF ASRN-135021651, type 19.0001 Private Passenger Auto (PPA), disposition August 3, 2026, overall rate impact 3.200%, individual impacts −15.000% to +15.000%, and 1,912 policies affected. A companion AssuranceAmerica Insurance Company row, SERFF ASRN-135021707, same day, is 3.400% overall, −15.000% to +15.000%, and 830 policies.

Does a 3.200% overall rate impact mean every driver pays 3.2% more?

No. The overall figure is a book-level result. The same TDCI row prints a minimum of −15.000% and a maximum of +15.000% for InsureMax. The AssuranceAmerica companion row uses the same individual bounds with a 3.400% overall. A 3.2% headline is not a 3.2% bill for every driver on that book.

How is this different from the Shelter 12.700% and State Farm 0.000% filings already on this blog?

The August 10, 2026 ASIG post covers a 12.700% Shelter Mutual increase effective April 21, 2026. The August 19 post covers State Farm Mutual SERFF SFMA-134835034, 0.000% overall on 1,212,042 policies. This article covers InsureMax SERFF ASRN-135021651, dispositioned August 3, 2026, at 3.200% overall with a ±15.000% individual range on 1,912 policies. They are different carriers and different SERFF numbers.

What do the filed minimum and maximum numbers mean on a renewal?

They are the individual-impact bounds TDCI printed for that SERFF row. They are not a promise that any household will hit the maximum, the minimum, or land on 3.200%. Compare the renewal premium to the current declarations-page premium and read the percent change against the printed range.

How can a Tennessee driver look this filing up?

Open TDCI Monthly Auto Policy Rates, find ASRN-135021651, and read the overall, minimum, maximum, policy-count, and disposition-date columns. Then find ASRN-135021707 on the same table. Review the public filing at SERFF Filing Access for Tennessee. For an appointment, TDCI lists (615) 741-2825. Saving through SFA is free; kiosk printing is 50 cents per page.

What should a Tennessee driver actually do this week?

Pull the current declarations page and the renewal offer. Line up vehicles, drivers, limits, deductibles, and premium. Compute the percent change without rounding. Compare it to the filed min/overall/max on the TDCI row. If the change cannot be reconciled to the posted range, file a complaint with TDCI Consumer Insurance Services. For a free policy review or quote, call 865-263-1400 or use asigtn.com/get-a-quote.

What if a renewal change does not match the filed range?

File a complaint with TDCI Consumer Insurance Services. The policy must have been written in Tennessee. Use the online form or mail Consumer Insurance Services, 500 James Robertson Parkway, 10th Floor, Nashville, TN 37243. Questions: 615-741-2218 or 1-800-342-4029; mailto:[email protected]. Bring both premiums, the percent change, and SERFF ASRN-135021651 or ASRN-135021707.

Sources

• TDCI Monthly Auto Policy Rates (as of June 2026; last updated August 4, 2026)
• TDCI Monthly Auto Policy Rates DataTable JSON
• TDCI Homeowners & Automotive Insurance Information
• SERFF Filing Access — Tennessee
• TDCI Auto Insurance 101
• TDCI File an Insurance Complaint
• TDCI Consumer Resources
• A 12.7% Tennessee Auto Rate Increase Just Cleared the State Filing System
• A 0% Tennessee Auto Filing Still Moved Some Drivers 18% — 1.2 Million Policies Are on That Book
• All Seasons Insurance Group — Get a Quote