Products & Services · 2
Personal Auto — 2
Cincinnati Financial Personal Auto — 2 increased by 4.2% to 17.3% in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 4.2%, from 16.6% to 17.3%. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementSegment
CategoryRisk
SignalLower is better
VolatilityVolatile
First reportedQ4 2019
Last reportedQ4 2025
How to read this metric
An increase indicates unfavorable reserve development (under-reserved), while a decrease indicates favorable development (over-reserved).
Detailed definition
This metric represents the development of claims from prior accident years for the personal automobile insurance segment...
Peer comparison
Peers report this as 'prior year reserve development' or 'prior accident year development' within their personal auto segment disclosures.
Metric ID:
cinf_segment_personal_auto_2Historical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 16.1% | 16.1% | 16.4% | 16.6% | 17.3% |
| QoQ Change | — | +0.0% | +1.9% | +1.2% | +4.2% |
| YoY Change | — | +0.0% | +1.9% | +1.2% | +4.2% |
Range16.1% – 17.3%
CAGR+7.5%
Avg YoY Growth+1.8%
Median YoY Growth+1.5%
Current Streak4+ quarters growth
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Frequently Asked Questions
- What is Cincinnati Financial's personal auto — 2?
- Cincinnati Financial (CINF) reported personal auto — 2 of 17.3% in Q4 2025.
- How has Cincinnati Financial's personal auto — 2 changed year-over-year?
- Cincinnati Financial's personal auto — 2 increased by 4.2% year-over-year, from 16.6% to 17.3%.
- What does personal auto — 2 mean?
- The change in estimated costs for auto insurance claims that occurred in past years.