Products & Services · 4
Personal Auto — 4
Cincinnati Financial Personal Auto — 4 remained flat by 0.0% to 5.8% in Q4 2025 compared to the prior quarter. Year-over-year, this metric was flat by 0.0%, from 5.8% to 5.8%. This is a positive signal — lower values indicate better performance for this metric.
Analysis
StatementSegment
CategoryRisk
SignalLower is better
VolatilityModerate
First reportedQ4 2019
Last reportedQ4 2025
How to read this metric
Decreases suggest conservative reserving practices, while persistent increases may indicate systemic under-reserving or adverse loss trends.
Detailed definition
This metric represents the aggregate financial adjustment to claims and claims adjustment expenses for the personal auto...
Peer comparison
Comparable to 'prior accident year loss development' reported by major national auto insurers.
Metric ID:
cinf_segment_personal_auto_4Historical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 4.8% | 4.9% | 5% | 5.8% | 5.8% |
| QoQ Change | — | +2.1% | +2.0% | +16.0% | +0.0% |
| YoY Change | — | +2.1% | +2.0% | +16.0% | +0.0% |
Range4.8% – 5.8%
CAGR+20.8%
Avg YoY Growth+5.0%
Median YoY Growth+2.1%
Current Streak4+ quarters growth
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Frequently Asked Questions
- What is Cincinnati Financial's personal auto — 4?
- Cincinnati Financial (CINF) reported personal auto — 4 of 5.8% in Q4 2025.
- How has Cincinnati Financial's personal auto — 4 changed year-over-year?
- Cincinnati Financial's personal auto — 4 decreased by 0.0% year-over-year, from 5.8% to 5.8%.
- What does personal auto — 4 mean?
- The net change in the company's liability for auto insurance claims from past years.