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,” Teachers Insurance Company lists a private passenger auto filing with an overall rate impact of −4.800% on 51 policies.
| Item | TDCI table entry |
|---|---|
| Company | Teachers Insurance Company (NAIC 22683) |
| SERFF tracking number | HRMN-135004514 |
| Coverage type | 19.0001 Private Passenger Auto (PPA) |
| Disposition date | 07/01/2026 |
| Overall rate impact | −4.800% |
| Maximum column / minimum column | 0.000% / −6.900% |
| Policies affected | 51 |
Source: TDCI Monthly Auto Policy Rates, table as of September 2026.
What the numbers say
The overall figure is the average effect across the 51 policies the filing affects. The minimum column prints −6.900% and the maximum column prints 0.000%, so the table shows some individual changes as deep as a 6.9% decrease and none as an increase. This is a small book compared with other rows on the same table, so the filing matters most to drivers already on this company.
A rate decrease is not a promise of a lower bill
A rate filing changes the price of the same coverage. Your renewal can still move for other reasons: an added driver, a ticket or at-fault accident, a different vehicle, a new garaging address, a discount that dropped off, or a change in limits or deductibles. Compare your renewal with last term's before assuming the decrease shows up dollar for dollar.
How Tennessee drivers can use this
- Put this term's and last term's declarations pages side by side and confirm drivers, vehicles, limits, deductibles, and discounts.
- If your renewal went up while the filing went down, ask which rating factors changed on your policy.
- Look up HRMN-135004514 on SERFF Filing Access for Tennessee. How-to: How Tennesseans look up insurance rate filings on SERFF Filing Access and TDCI’s monthly tables.
- Keep liability limits in view even when a filing shows a decrease: Knoxville Auto Insurance: How to Choose Better Liability Limits, Deductibles, and Protection for Real-World Driving.
- Review collision and comprehensive deductibles: TDCI’s glossary separates collision coverage from comprehensive coverage.
For a broader read of 2026 Tennessee auto filings, see A 12.7% Tennessee Auto Rate Increase Just Cleared the State Filing System. Another zero-change auto row on the TDCI table is covered in A 0% Tennessee Auto Filing Still Lets Drivers Move 12.300% — 11,285 Policies Are on That Book.
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
- A 0% Tennessee Auto Filing Still Lets Drivers Move 12.300% — 11,285 Policies Are on That Book
- 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
- A 12.7% Tennessee Auto Rate Increase Just Cleared the State Filing System
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 Teachers Insurance Company?
TDCI's September 2026 auto table lists Teachers Insurance Company, SERFF HRMN-135004514, private passenger auto, disposition 07/01/2026, overall −4.800%, maximum column 0.000%, minimum column −6.900%, and 51 policies affected.
Does every policy on this filing go down?
The maximum column is 0.000% and the minimum is −6.900%, so the table prints no increase and some decreases as deep as 6.9%. Your own renewal can still change because of drivers, vehicles, claims, discounts, or coverage choices.
How large is this book of business?
The TDCI table lists 51 policies affected, which is a small book compared with many other private passenger rows.
When was the filing dispositioned?
The TDCI table lists a disposition date of 07/01/2026.
How do I look up the filing?
Use SERFF tracking number HRMN-135004514 on SERFF Filing Access for Tennessee after checking TDCI's Monthly Auto Policy Rates page.
Will my premium drop exactly 4.8%?
Not necessarily. The overall figure is an average across affected policies, and other changes on your policy can move your premium.
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.
