Is your car insurance renewal in line?
Type in two numbers from your renewal notice. We set your change beside the national price index and, where the state publishes it, beside the rate change your insurer filed with regulators.
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- A source for every number
Renewal notice
Step 1 of 3
Your renewal, rated
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You reach an agent or agency in our partner network, and they may pay us for the call. Calls may be recorded.
Against your insurer's filing
A filing describes the whole company. It cannot see your driving record, your car or your address, and it applies only from its effective date.
Against the national trend
What could explain it
Worth asking about
Your call sheet
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The printed sheet also lists the questions above.
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Three steps, about a minute
Copy two numbers
The premium for the term that is ending and the premium on the renewal notice. Whole-term amounts, not monthly payments.
Say where and with whom
Your state and the company that underwrites the policy. Its name is printed on the declarations page.
Read the comparison
Your change beside the filing and the national index, questions worth asking, and a call sheet you can print.
What your renewal is compared with
The rate change your insurer filed
In most states insurers file their rate changes with the state insurance department, and the filings are public records. A rate filing states the overall effect on the company's policies and, usually, the largest increase and decrease any policy will see.
Tennessee publishes these figures as a table every month. It is the first state on record here: 17 filings, as of October 2026. These five touch the most policies.
| Company | Overall | Range | Policies |
|---|---|---|---|
| Mountain Laurel Assurance Company | −2.7% | −6.234% to +4.381% | 225,405 |
| Progressive Hawaii Insurance Corp. | −0.791% | −8.403% to +4.461% | 218,786 |
| Progressive Direct Insurance Company | −2.7% | −6.503% to +3.538% | 69,610 |
| Auto-Owners Insurance Company | −4.5% | −7.2% to +0.1% | 43,684 |
| Progressive Casualty Insurance Company | −0.791% | −15.399% to +3.125% | 43,070 |
All Tennessee filings on record
For every other state, the result links to the official place to search filings yourself.
The national price index
−5.0%motor vehicle insurance prices, 12 months to September 2026
The U.S. Bureau of Labor Statistics tracks what households pay for motor vehicle insurance. Between September 2025 and September 2026 its index fell 5.0%.
In October 2026 the index rose 1.0% in a single month. BLS did not publish a 12-month change for October 2026 because October 2025 prices were not collected.
What a filing can and cannot tell you
It can tell you
- Whether your insurer changed its rates in your state, and by how much on average.
- The largest increase the filing produces for any policy. A jump bigger than that has another cause.
- How many policies the change touches.
It cannot tell you
- Anything about your own rating factors: driving record, vehicle, address, credit-based score where the state allows it.
- Whether the change has reached your renewal yet. A filing applies from an effective date that the monthly table does not show.
- Whether another filing, one not loaded here, is also involved.
Compare quotes by phone
A licensed agent in our partner network can price the same coverage with other insurers. Keep your declarations page next to you.
Lines are open Monday to Friday 8 am to 8 pm, Saturday and Sunday 11 am to 8 pm, Eastern Time.
RateMyRenewal is an independent comparison and referral site. We are not an insurance company or agency, we do not issue policies and we do not give insurance advice. When you call, you reach licensed agents or agencies in our partner network, and they may pay us for the call. Calls may be recorded.
Questions people ask
Is it free, and who pays for it?
The check is free. If you call the number on this site, a licensed agent in our partner network answers, and the agent or agency may pay us for that call. The payment has no effect on what the check shows.
Do you keep the numbers I type?
No. The calculation runs in your browser. The premiums and answers you enter are not sent to us or to anyone else, and they are gone when you close the page.
Where do the filing figures come from?
From state insurance regulators. Tennessee's figures are copied from the monthly table published by the Tennessee Department of Commerce and Insurance, with the tracking number of each filing so you can look it up. How the comparison works.
My state has no filings on record here. What do I get?
Your change in dollars and percent, the comparison with the national index, the questions worth asking, the call sheet, and a link to the official place where your state's filings can be searched.
My increase is above the filed range. Did my insurer do something wrong?
Not necessarily. It means the filing on record does not explain the whole increase. A ticket, a claim, a new car, a new address, a lost discount or a second filing can each move a price. Ask the insurer which factors changed.
Is this insurance advice?
No. It is arithmetic on public figures and your own two numbers. For advice about coverage, talk to a licensed agent.