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,” Safeway Insurance Company of Alabama, Inc. lists an overall rate impact of −4.500%, with individual changes from −36.600% to 15.000% on 4,019 policies.
| Item | TDCI table entry |
|---|---|
| Company | Safeway Insurance Company of Alabama, Inc. (NAIC 11223) |
| SERFF tracking number | MOCC-134983877 |
| Coverage type | 19.0001 Private Passenger Auto (PPA) |
| Disposition date | 07/21/2026 |
| Overall rate impact | −4.500% |
| Minimum / maximum | −36.600% / 15.000% |
| Policies affected | 4,019 |
Source: TDCI Monthly Auto Policy Rates, table as of September 2026.
Why the average and the range both matter
The overall percentage is an average across the book. When the printed band stretches from a deep decrease to a double-digit increase, some drivers can see a lower renewal while others see a higher one — even though the company’s headline number is negative.
That pattern shows up on other Tennessee auto rows too. For another wide individual swing on a small overall number, see Unique Insurance Company’s 0% Tennessee auto filing still prints a 56.400% individual ceiling.
What to do with a renewal surprise
- Compare declarations pages for drivers, vehicles, garaging ZIP, limits, deductibles, and discounts.
- Ask which rating factors moved on your policy versus the filing’s rating plan change.
- Review collision versus comprehensive before raising a deductible: TDCI’s glossary separates collision coverage from comprehensive coverage.
- Keep liability limits in context for real-world driving: Knoxville Auto Insurance: How to Choose Better Liability Limits, Deductibles, and Protection for Real-World Driving.
- Look up MOCC-134983877 on SERFF Filing Access for Tennessee: How Tennesseans look up insurance rate filings on SERFF Filing Access and TDCI’s monthly tables.
- Shop other carriers. One company’s filing does not set the market: A 12.7% Tennessee Auto Rate Increase Just Cleared the State Filing System.
If a renewal still does not make sense 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
- Unique Insurance Company’s 0% Tennessee auto filing still prints a 56.400% individual ceiling.
- 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 Safeway Insurance Company of Alabama?
TDCI's September 2026 auto table lists Safeway Insurance Company of Alabama, Inc., SERFF MOCC-134983877, private passenger auto, disposition 07/21/2026, overall −4.500%, minimum −36.600%, maximum 15.000%, and 4,019 policies affected.
If the overall change is −4.5%, why can my premium go up?
The overall figure is an average. Individual changes on this filing run from −36.600% to 15.000%.
Will my policy go up 15%?
Not necessarily. 15.000% is the maximum the table prints. Your own change depends on how the filing applies to your vehicle and on drivers, claims, or coverage choices.
When was the filing dispositioned?
The TDCI table lists a disposition date of 07/21/2026.
How do I look up the filing?
Use SERFF tracking number MOCC-134983877 on SERFF Filing Access for Tennessee after checking TDCI's Monthly Auto Policy Rates page.
Does a negative overall filing mean everyone pays less?
No. A negative overall average can still include individual increases when the maximum column is above zero.
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.
