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 Root Insurance Company under SERFF tracking number CLIN-134978668. The disposition date is July 1, 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 8,322 policies affected.
A 0.000% headline on this row is not a redistribution story. TDCI printed the same number three times: overall, maximum, and minimum. That is not the live State Farm Mutual 0.000% filing, SERFF SFMA-134835034, which posted a −17.440% to +18.450% swing on 1,212,042 policies. It is not the live MemberSelect 0.000% filing, SERFF FABF-134779112, which posted −1.000% to +12.300% on 11,285 policies. Different carriers. Different SERFF numbers. Different individual ranges. This article is about CLIN-134978668.
By All Seasons Insurance Group
What did Tennessee post on SERFF tracking number CLIN-134978668?
TDCI says it posts the monthly auto table “to help consumers better understand and compare rate changes among insurers.” The Root row is coded as 19.0001 Private Passenger Auto (PPA). Root Insurance Company carries NAIC company code 10974.
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 |
|---|---|---|---|---|---|---|---|---|
| Root Insurance Company | 10974 | CLIN-134978668 | 19.0001 Private Passenger Auto (PPA) | 07/01/2026 | 0.000% | 0.000% | 0.000% | 8322 |
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 8322, without a comma.
Root 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.
Does a 0.000% overall rate impact always mean some drivers still move?
No. Not on this row. The live State Farm Mutual post and the live MemberSelect post are both 0.000% overall with a printed individual range that is not 0.000%. This Root row is 0.000% overall, 0.000% maximum, and 0.000% minimum on 8,322 policies. The three printed percentages match.
Do not copy a State Farm 18.450% ceiling onto a Root renewal. Do not copy a MemberSelect 12.300% ceiling onto this book. TDCI printed 0.000% three times on CLIN-134978668. 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: 07/01/2026. 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 State Farm Mutual and MemberSelect 0% filings?
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. That 0.000% story is a redistribution on a book of more than a million policies.
On August 21, 2026, this blog covered MemberSelect Insurance Company, SERFF FABF-134779112, disposition February 23, 2026: 0.000% overall, −1.000% to +12.300%, on 11,285 policies. That 0.000% story still allows a 12.300% individual increase.
This Root row is a third 0.000% overall with a different printed range: 0.000% to 0.000%. If a renewal notice says “the company filed 0%” and does not print a SERFF number, look the carrier up. The three 0.000% overall rows on the current TDCI table are not interchangeable.
The State Farm article is A 0% Tennessee Auto Filing Still Moved Some Drivers 18% — 1.2 Million Policies Are on That Book. The MemberSelect article is A 0% Tennessee Auto Filing Still Lets Drivers Move 12.300% — 11,285 Policies Are on That Book. The InsureMax article is A 3.2% Tennessee Auto Filing Still Lets Drivers Move ±15% — 1,912 Policies Are on That Book.
What do a 0.000% minimum and 0.000% maximum mean on a renewal?
They are the individual-impact bounds TDCI printed for that SERFF row. On this book those bounds are the same number as the overall: 0.000%. They are not a promise that a household premium cannot move for some other reason. Territory, vehicles, drivers, discounts, and a change in the declarations page can still move a number. The TDCI table does not assign a reason to a household.
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. If the renewal premium is different from the current premium, and the declarations page otherwise matches, the percent change is the new premium minus the old premium, divided by the old premium. Do not round. Then read that percent against 0.000%, 0.000%, and 0.000%.
A household percent change that is not 0.000% is not explained by the individual range printed on CLIN-134978668. That is the opposite of the State Farm Mutual and MemberSelect 0.000% rows, where a non-zero household change can still sit inside a printed swing. Write the two premiums down. Then use the TDCI complaint path below if the change cannot be reconciled to this row or to some other documented change on the declarations page.
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 Root Insurance Company and SERFF CLIN-134978668. Read the overall, minimum, maximum, policies-affected, and disposition-date columns. Confirm that all three rate-impact columns print 0.000%.
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 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.
- 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 Root book the printed numbers are 0.000%, 0.000%, and 0.000% on 8,322 policies, disposition July 1, 2026.
- If the percent change is 0.000% and the declarations page otherwise matches, the printed row is consistent with a flat premium.
- If the percent change is not 0.000%, write down both premiums, the exact percent, SERFF CLIN-134978668, and the July 1, 2026 disposition date. Look for a documented change on the declarations page. If there is none, 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, and SERFF CLIN-134978668. 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% / 0.000% / 0.000% filing on 8,322 policies actually tell a driver?
It tells you this 0.000% overall is not the same fact as the other 0.000% overalls already on this blog. The state posted a book of 8,322 Root policies, NAIC 10974, with no printed individual swing. It does not tell you what one household will pay. It does not promise coverage, eligibility, or price. It tells you not to paste a State Farm 18.450% ceiling, or a MemberSelect 12.300% ceiling, onto CLIN-134978668.
Read the three percentages 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.
