Clear Blue Insurance Company filed a rate update for its Auto Dealers program in Tennessee on December 4, 2025, with changes applying to both new and renewal business effective February 1, 2026.

The filing impacts a small book of five in-force policies representing approximately $475,597 in written premium. Clear Blue is reducing its Loss Cost Multiplier for both Liability and Physical Damage from 1.900 to 1.520, producing an overall rate decrease of 20%.

The program relies on ISO prospective loss costs, and the filing was submitted by Martin & Company on the insurer’s behalf. Given the limited size of the Tennessee book, Clear Blue did not include historical premium or loss experience as part of its actuarial justification.

The filing follows a neutral rate action for the program effective January 1, 2025.