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 State Farm Fire and Casualty Company under SERFF tracking number SFMA-134835034. The disposition date is May 29, 2026. The overall rate impact is 0.000%. Individual impacts on that same row run from −17.260% to +21.620%. The listing shows 24,527 policies affected.
A 0.000% headline is not a freeze. It is a book-level result. Some policies on that book can move down 17.260%. Some can move up 21.620%. The filed individual range is not 0.000%.
This is not the live State Farm Mutual Automobile Insurance Company 0.000% filing, even though that row shares the same SERFF tracking number SFMA-134835034 and the same May 29, 2026 disposition date. Different company. Different NAIC code. Different individual range. Different policy count. Mutual posted −17.440% to +18.450% on 1,212,042 policies, NAIC 25178. This Fire and Casualty row posted −17.260% to +21.620% on 24,527 policies, NAIC 25143. It is not the live Root 0.000% / 0.000% / 0.000% filing. It is not the live MemberSelect 0.000% filing. This article is about the Fire and Casualty row on SFMA-134835034.
By All Seasons Insurance Group
What did Tennessee post for State Farm Fire and Casualty on SERFF SFMA-134835034?
TDCI says it posts the monthly auto table “to help consumers better understand and compare rate changes among insurers.” The Fire and Casualty row is coded as 19.0001 Private Passenger Auto (PPA). State Farm Fire and Casualty Company carries NAIC company code 25143.
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. The same SERFF number appears on two rows. Read the company name and the NAIC code before you read the percentages.
| Company | NAIC | SERFF | Coverage | Disposition | Overall | Minimum | Maximum | Policies affected |
|---|---|---|---|---|---|---|---|---|
| State Farm Fire and Casualty Company | 25143 | SFMA-134835034 | 19.0001 Private Passenger Auto (PPA) | 05/29/2026 | 0.000% | −17.260% | 21.620% | 24527 |
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 24527, without a comma.
State Farm Fire and Casualty 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 mean every Fire and Casualty driver stays flat?
No. The overall figure is a book-level result. The same TDCI table prints a minimum and a maximum on every row. On the Fire and Casualty row those bounds are −17.260% and +21.620%.
Do not round 21.620% to 22%. Do not treat 21.620% as a typical outcome. Do not paste the live Mutual ceiling of 18.450% onto a Fire and Casualty renewal. The table does not say how many of the 24,527 policies sit near the overall number, near the ceiling, or near the floor. A household can land far from 0.000% and still sit inside the filed range.
The table does not print a household premium or a new-business versus renewal effective date. It prints a disposition date: 05/29/2026. 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 live State Farm Mutual 0.000% filing?
The live Mutual post covers 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, NAIC 25178. This Fire and Casualty row uses the same SERFF number and the same calendar date. It is a different legal entity, a different NAIC code, a different printed swing, and a book that is about 2% the size of Mutual’s 1.2 million policies.
Do not treat a shared SERFF prefix as proof that two companies are one premium. TDCI printed two rows. The Mutual ceiling is 18.450%. The Fire and Casualty ceiling is 21.620%. The Mutual floor is −17.440%. The Fire and Casualty floor is −17.260%. Those are not interchangeable.
May 29, 2026 also appears on American States Preferred Insurance Company, SERFF LBPM-134876214: 0.000% / 0.000% / 0.000% on 11,194 policies. Same date. Different SERFF. No printed swing.
The Mutual article is A 0% Tennessee Auto Filing Still Moved Some Drivers 18% — 1.2 Million Policies Are on That Book. The Root true-zero article is A 0.000% Tennessee Auto Filing That Actually Stayed 0% — 8,322 Policies, No Individual Swing. The MemberSelect article is A 0% Tennessee Auto Filing Still Lets Drivers Move 12.300% — 11,285 Policies Are on That Book. If a renewal notice mentions “State Farm” and “0%” and no SERFF number, read the company name on the declarations page before assuming it is any of those filings, or this 21.620% Fire and Casualty 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 0.000%. 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 0%.”
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 this book the printed bounds are −17.260% and +21.620%. 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.
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 State Farm Fire and Casualty Company, NAIC 25143, and SERFF SFMA-134835034. Do not stop at the Mutual row above or below it. Read the overall, minimum, maximum, policies-affected, and disposition-date columns on the Fire and Casualty line.
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. 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. Confirm whether the issuing company is State Farm Fire and Casualty Company or State Farm Mutual Automobile Insurance Company.
- 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 Fire and Casualty book those printed numbers are −17.260%, 0.000%, and +21.620%.
- 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, SERFF SFMA-134835034, NAIC 25143, and the May 29, 2026 disposition date. Then 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, SERFF SFMA-134835034, and NAIC 25143. Do not send an AI-generated summary as the complaint. TDCI warns that incorrect AI material can slow a complaint because the Division has to fact-check it.
What does a 0.000% filing with a 21.620% ceiling on 24,527 policies actually tell a driver?
It tells you this 0.000% overall is not the live Mutual 0.000% overall, even though both sit on SFMA-134835034. The state posted a Fire and Casualty book of 24,527 policies, NAIC 25143, with printed individual bounds of −17.260% and +21.620%. It does not tell you what one household will pay. It does not promise coverage, eligibility, or price.
A 0% headline that can still move a Fire and Casualty driver 21.620% up, or 17.260% down, is the story. Read the three percentages as they were printed.
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.
