What is Allstate's auto insurance - liability coverage — 5 years?

Allstate (ALL) reported auto insurance - liability coverage — 5 years of 4.1% in Q4 2025.

How has Allstate's auto insurance - liability coverage — 5 years changed year-over-year?

Allstate's auto insurance - liability coverage — 5 years decreased by 16.3% year-over-year, from 4.9% to 4.1%.

What does auto insurance - liability coverage — 5 years mean?

This metric represents the estimated auto insurance claims expected to be settled specifically in the fifth year after the initial claim period. It is a critical indicator for assessing the accuracy of long-term actuarial assumptions regarding claim severity and inflation. It helps investors gauge the company's exposure to delayed litigation or complex injury claims.

Allstate ALL Auto insurance - liability coverage — 5 years

Other product segments

Homeowners

0.7%-12.5%

Auto insurance - physical damage coverage

0%—

Similar metrics at other companies

HMNAutomobile Liability — Year Five

3.3%+0.1pp

TRVGeneral Liability — Short-duration Insurance Contracts, Historical Claims Duration, Year Five

26.1%+0.2pp

TRVAutomobile — Short-duration Insurance Contracts, Historical Claims Duration, Year Five

12.8%+0.4pp

SIGIGeneral liability — Short-duration insurance contracts, historical claims duration, year five

15.2%+1.1pp

MCYProperty insurance product line, automobile — Short-duration insurance contracts, historical claims duration, year five

3.1%0.0pp

SIGIPersonal automobile — Short-duration insurance contracts, historical claims duration, year five

3.1%-0.4pp

Other financials

Income statement

See full

Revenue$16.9B+3.0%

Net income$2.5B+313%

EPS (diluted)$9.25+338%

Balance sheet

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Cash & equivalents$697.0M-17.0%

Total debt$7.5B-7.4%

Total equity$31.6B+43.3%

Total assets$123.97B+7.7%

Cash flow

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Operating cash flow$3.6B+81.4%

CapEx$40.0M-56.5%

Free cash flow$3.5B+88.1%

Valuation

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Market cap$60.12B+15.3%

Enterprise value$66.91B+12.6%

P/E5×-8.0×

P/S0.9×+0.1×

Profitability

See full

Net margin17.8%+11.6pp

FCF margin16.9%+3.2pp

Returns & leverage

See full

Return on equity45.2%+25.4pp

Debt / equity0.2×-0.1×

Where this comes from

Reported directly by Allstate in its filing.

Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFive.

The official record: Allstate’s 10-K, filed February 20, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Allstate's auto insurance - liability coverage — 5 years?: Allstate (ALL) reported auto insurance - liability coverage — 5 years of 4.1% in Q4 2025.
How has Allstate's auto insurance - liability coverage — 5 years changed year-over-year?: Allstate's auto insurance - liability coverage — 5 years decreased by 16.3% year-over-year, from 4.9% to 4.1%.
What does auto insurance - liability coverage — 5 years mean?: This metric represents the estimated auto insurance claims expected to be settled specifically in the fifth year after the initial claim period. It is a critical indicator for assessing the accuracy of long-term actuarial assumptions regarding claim severity and inflation. It helps investors gauge the company's exposure to delayed litigation or complex injury claims.