The Tennessee Department of Commerce and Insurance (TDCI) monthly auto rate table, labeled As of October 2026, lists one private passenger auto filing, SERFF tracking number PRGS-135049001, under four Progressive group companies. All four rows carry a disposition date of 09/18/2026. Two companies list an overall rate impact of -2.700% and two list -0.791%.
TDCI says the page provides auto rate change information filed by insurers through the System for Electronic Rate and Form Filing (SERFF), posted to help consumers understand and compare rate changes among insurers.
| Company (NAIC) | Overall | Maximum | Minimum | Policies affected |
|---|---|---|---|---|
| Progressive Direct Insurance Company (16322) | -2.700% | 3.538% | -6.503% | 69,610 |
| Progressive Hawaii Insurance Corp. (10067) | -0.791% | 4.461% | -8.403% | 218,786 |
| Progressive Casualty Insurance Company (24260) | -0.791% | 3.125% | -15.399% | 43,070 |
| Mountain Laurel Assurance Company (44180) | -2.700% | 4.381% | -6.234% | 225,405 |
Source: TDCI Monthly Auto Policy Rates data table. All four rows list SERFF PRGS-135049001, type of coverage 19.0001 Private Passenger Auto (PPA), and disposition date 09/18/2026. Added together, the four rows list 556,871 policies affected.
What the averages mean, and what they do not
The overall rate impact is an average across a company's Tennessee book. It is not a promise about any single bill. Each row also lists a maximum and a minimum. For Progressive Casualty, for example, the table shows a range from a 3.125% increase to a 15.399% decrease, around an average decrease of 0.791%.
That spread is common in rate filings. Changes to rating factors such as vehicle, territory, driving record, or discounts can move individual policies in different directions even when the average goes down. For a refresher on reading these tables, see How to read Tennessee’s monthly homeowners rate table on TDCI’s website.
Why one filing lists four companies
Insurance groups often write business through more than one company. Your declarations page names the company that issued your policy, and that is the row to compare. If you are not sure which company you have, check the page that comes with each renewal: TDCI glossary: what your insurance declarations page shows.
What to check at your next renewal
- Find the issuing company on your declarations page, then match it to the table row.
- Compare your new premium with the prior term, coverage by coverage, not just the total.
- Ask which rating factors changed on your policy if your change looks different from the average.
- Look up any filing yourself through SERFF: How Tennesseans look up insurance rate filings on SERFF Filing Access and TDCI’s monthly tables.
Related reading
- How accidents you did not cause are treated: Tennessee law says an accident that did not involve your negligence cannot raise your auto insurance premium.
- Driving-data programs and how they are described: TDCI’s glossary explains how a telemetric device can feed auto insurance rate making.
- When a company can cancel after the first 60 days: Once a Tennessee auto policy has been in force for 60 days, the insurer can cancel it midterm only for reasons the law lists.
- Where to go if you have a complaint: How Tennesseans file an insurance complaint with TDCI’s Consumer Insurance Services.
This article is informational only. It summarizes a public TDCI rate table and does not promise any premium, coverage, or eligibility. Your policy, declarations page, and the insurer's rating control what you pay.
Related reading from All Seasons
- How to read Tennessee’s monthly homeowners rate table on TDCI’s website.
- How Tennesseans look up insurance rate filings on SERFF Filing Access and TDCI’s monthly tables.
- TDCI glossary: what your insurance declarations page shows.
- Tennessee law says an accident that did not involve your negligence cannot raise your auto insurance premium.
- TDCI’s glossary explains how a telemetric device can feed auto insurance rate making.
- Once a Tennessee auto policy has been in force for 60 days, the insurer can cancel it midterm only for reasons the law lists.
- How Tennesseans file an insurance complaint with TDCI’s Consumer Insurance Services.
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.
Which Progressive companies are on filing PRGS-135049001?
The TDCI auto table lists Progressive Direct Insurance Company, Progressive Hawaii Insurance Corp., Progressive Casualty Insurance Company, and Mountain Laurel Assurance Company.
What are the average rate changes?
Progressive Direct and Mountain Laurel Assurance list -2.700% overall. Progressive Hawaii and Progressive Casualty list -0.791% overall.
How many Tennessee policies are affected?
The table lists 69,610; 218,786; 43,070; and 225,405 policies for the four companies, or 556,871 added together.
When was the filing approved?
All four rows list a disposition date of 09/18/2026.
Could my premium still go up?
Each row lists a maximum increase, from 3.125% to 4.461%, so some individual policies can rise even when the average goes down.
How do I know which company insures me?
The issuing company is named on your declarations page. Match that name to the table row.
Where does TDCI publish this table?
On its Monthly Auto Policy Rates page, which lists filings made through SERFF and is labeled As of October 2026.
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.
