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,” Truck Insurance Exchange lists a private passenger auto filing at 0.000% overall. The maximum and minimum columns match that figure, and the row lists 0 policies affected.
| Item | TDCI table entry |
|---|---|
| Company | Truck Insurance Exchange (NAIC 21709) |
| SERFF tracking number | FARM-134996479 |
| Coverage type | 19.0001 Private Passenger Auto (PPA) |
| Disposition date | 08/10/2026 |
| Overall rate impact | 0.000% |
| Minimum / maximum | 0.000% / 0.000% |
| Policies affected | 0 |
Source: TDCI Monthly Auto Policy Rates, table as of September 2026.
What a 0% row with zero policies means
A zero overall impact does not always mean “nothing changed forever.” It can mean the filing kept the book’s average rate change at zero, even when forms, rules, or rating factors move in the background. On this row, TDCI also shows zero policies affected, which is a useful signal for consumers: the department’s public table is not reporting an active Tennessee book that will see a bill change from this disposition alone.
Other carriers on the same September table show double-digit swings. For comparison, see TDCI lists a 10.5% Tennessee auto rate increase for Hartford Underwriters on 496 policies. and the broader roundup at A 12.7% Tennessee Auto Rate Increase Just Cleared the State Filing System.
How to read the filing yourself
TDCI’s table is a summary. The SERFF tracking number FARM-134996479 is the handle for the underlying filing on SERFF Filing Access for Tennessee. That is where exhibits, rules, and effective dates live. A step-by-step walkthrough of Filing Access is here: How Tennesseans look up insurance rate filings on SERFF Filing Access and TDCI’s monthly tables.
What Tennessee drivers can do with this information
- If Truck Insurance Exchange (or a related Farmers Exchange company) writes your policy, ask your agent whether this disposition changes any form or rule that applies to you, even when the overall average is zero.
- Know what collision and comprehensive actually pay: TDCI’s glossary separates collision coverage from comprehensive coverage.
- Check liability limits and deductibles against your risk: Knoxville Auto Insurance: How to Choose Better Liability Limits, Deductibles, and Protection for Real-World Driving.
- If a claim or premium dispute stalls, TDCI accepts consumer complaints at no cost: use the File a Complaint page linked in Source links.
This article is informational only. It does not promise coverage, eligibility, or a premium outcome. Your policy forms and declarations control.
Related reading from All Seasons
- 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
- TDCI lists a 10.5% Tennessee auto rate increase for Hartford Underwriters on 496 policies.
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 Truck Insurance Exchange?
In the September 2026 auto table, Truck Insurance Exchange shows a private passenger auto filing at 0.000% overall, with 0.000% maximum and minimum and 0 policies affected.
What is the SERFF tracking number?
TDCI lists FARM-134996479 for this Truck Insurance Exchange private passenger auto row.
When was the filing dispositioned?
The TDCI table shows a disposition date of 08/10/2026.
Does 0% mean my premium cannot change?
Not necessarily. A zero overall figure is an average for the filing. Ask your agent how any form or rule changes apply to your policy. This article does not promise a premium outcome.
Why does the table show 0 policies affected?
That is the number TDCI published for this row. It means the public table is not reporting Tennessee policies that will see a change from this disposition alone.
Where can I read the full filing?
Use SERFF Filing Access for Tennessee with tracking number FARM-134996479. TDCI’s monthly table is only a summary.
Is this a coverage recommendation?
No. It is an informational summary of a public TDCI rate table. Your policy forms control.
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.
