Products & Services · 1st Year
Automobiles — 1st Year
The Hartford Financial Services Group Automobiles — 1st Year decreased by 2.4% to 45.7% in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 2.4%, from 46.8% to 45.7%. This is a positive signal — lower values indicate better performance for this metric.
Analysis
StatementSegment
CategoryProfitability
SignalLower is better
VolatilityModerate
First reportedQ4 2018
Last reportedQ4 2025
How to read this metric
Higher losses in the first year may indicate aggressive pricing or poor initial risk underwriting, while lower losses suggest strong initial profitability.
Detailed definition
The cumulative loss development or claims experience for automobile insurance policies during their first year of covera...
Peer comparison
Standard actuarial cohort analysis used by major auto insurers to track 'accident year' performance.
Metric ID:
hig_segment_automobiles_1st_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 50.5% | 49.5% | 47.9% | 46.8% | 45.7% |
| QoQ Change | — | -2.0% | -3.2% | -2.3% | -2.4% |
| YoY Change | — | -2.0% | -3.2% | -2.3% | -2.4% |
Range45.7% – 50.5%
CAGR-9.5%
Avg YoY Growth-2.5%
Median YoY Growth-2.3%
Current Streak4+ quarters decline
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Frequently Asked Questions
- What is The Hartford Financial Services Group's automobiles — 1st year?
- The Hartford Financial Services Group (HIG) reported automobiles — 1st year of 45.7% in Q4 2025.
- How has The Hartford Financial Services Group's automobiles — 1st year changed year-over-year?
- The Hartford Financial Services Group's automobiles — 1st year decreased by 2.4% year-over-year, from 46.8% to 45.7%.
- What does automobiles — 1st year mean?
- The claims performance of automobile insurance policies during their first year of coverage.