The Tennessee Department of Commerce and Insurance (TDCI) posts a monthly table of auto insurance rate changes that insurers file through the System for Electronic Rate and Form Filing (SERFF). In the table labeled “As of September 2026,” Property and Casualty Insurance Company of Hartford lists a private passenger auto filing at 2.000% overall. The individual range runs from -11.800% to 11.100%, and the row lists 485 policies affected.
| Item | TDCI table entry |
|---|---|
| Company | Property and Casualty Insurance Company of Hartford (NAIC 34690) |
| SERFF tracking number | HART-135015428 |
| Coverage type | 19.0001 Private Passenger Auto (PPA) |
| Disposition date | 07/16/2026 |
| Overall rate impact | 2.000% |
| Minimum / maximum | -11.800% / 11.100% |
| Policies affected | 485 |
Source: TDCI Monthly Auto Policy Rates, table as of September 2026.
A small average with a wide spread
An overall figure of 2% sounds modest, and for the book as a whole it is. The minimum and maximum columns tell a different story for individual drivers. On this row, some policies can see rates fall by as much as 11.8%, while others can rise by as much as 11.1%. Where a given policy lands depends on how the filing changes the rating factors that apply to that driver, vehicle, and garaging location. The TDCI table does not say which factors moved; the filing on SERFF Filing Access is where that detail lives.
Not the same row as Hartford Underwriters
TDCI's September table lists a separate company, Hartford Underwriters Insurance Company, under a different SERFF tracking number (HART-134989935) at 10.500% overall on 496 policies. The two rows are different filings for different companies. If you are not sure which company issued your policy, the company name is printed on your declarations page. Background on the other row: TDCI lists a 10.5% Tennessee auto rate increase for Hartford Underwriters on 496 policies.
A rate filing is not your whole renewal
Even when a filing averages 2%, your renewal can move for other reasons: a new driver in the household, a ticket or at-fault accident, a different vehicle, a move to a new address, a discount that dropped off, or a change in limits or deductibles. Compare this term's declarations page with last term's before assuming the filing explains the difference.
How Tennessee drivers can use this
- Check the company name on your declarations page so you are reading the right row.
- Look up HART-135015428 on SERFF Filing Access for Tennessee. How-to: How Tennesseans look up insurance rate filings on SERFF Filing Access and TDCI’s monthly tables.
- Ask which rating factors changed on your policy if your renewal moved more than the overall figure.
- Do not cut liability limits just to offset an increase. Background: Knoxville Auto Insurance: How to Choose Better Liability Limits, Deductibles, and Protection for Real-World Driving.
- Review collision and comprehensive deductibles with fresh eyes: TDCI’s glossary separates collision coverage from comprehensive coverage.
For a larger Tennessee auto increase from earlier in 2026, see A 12.7% Tennessee Auto Rate Increase Just Cleared the State Filing System.
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
- TDCI lists a 10.5% Tennessee auto rate increase for Hartford Underwriters on 496 policies.
- A 12.7% Tennessee Auto Rate Increase Just Cleared the State Filing System
- How Tennesseans look up insurance rate filings on SERFF Filing Access and TDCI’s monthly tables.
- 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
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 Property and Casualty Insurance Company of Hartford?
TDCI's September 2026 auto table lists SERFF HART-135015428, private passenger auto, disposition 07/16/2026, overall 2.000%, maximum 11.100%, minimum -11.800%, and 485 policies affected.
Will every policy go up 2%?
No. The 2.000% figure is the overall average. The table's individual range runs from -11.800% to 11.100%, so some policies can go down and others can go up more than the average.
Is this the same filing as Hartford Underwriters?
No. TDCI lists Hartford Underwriters Insurance Company separately under SERFF HART-134989935 at 10.500% overall on 496 policies.
When was the filing dispositioned?
The TDCI table lists a disposition date of 07/16/2026.
Why can my renewal change by a different amount?
Drivers, vehicles, claims, tickets, discounts, garaging address, limits, and deductibles can all move a premium on top of a rate filing.
How do I look up the filing?
Use SERFF tracking number HART-135015428 on SERFF Filing Access for Tennessee.
Where do I complain if I think a renewal is wrong?
Start with your agent or insurer. If it is not resolved, TDCI accepts consumer insurance 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.
