Products & Services · 2nd Year
Automobiles — 2nd Year
The Hartford Financial Services Group Automobiles — 2nd Year increased by 0.6% to 54.1% in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 0.6%, from 53.8% to 54.1%. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementSegment
CategoryProfitability
SignalLower is better
VolatilityStable
First reportedQ4 2018
Last reportedQ4 2025
How to read this metric
Significant changes in development during the second year can indicate that initial loss reserves were either under or over-estimated.
Detailed definition
The cumulative loss development or claims experience for automobile insurance policies as they reach their second year o...
Peer comparison
Commonly tracked in actuarial 'loss development triangles' by all major insurance carriers.
Metric ID:
hig_segment_automobiles_2nd_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 53.6% | 53.2% | 54.1% | 53.8% | 54.1% |
| QoQ Change | — | -0.7% | +1.7% | -0.6% | +0.6% |
| YoY Change | — | -0.7% | +1.7% | -0.6% | +0.6% |
Range53.2% – 54.1%
CAGR+0.9%
Avg YoY Growth+0.2%
Median YoY Growth+0.0%
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Frequently Asked Questions
- What is The Hartford Financial Services Group's automobiles — 2nd year?
- The Hartford Financial Services Group (HIG) reported automobiles — 2nd year of 54.1% in Q4 2025.
- How has The Hartford Financial Services Group's automobiles — 2nd year changed year-over-year?
- The Hartford Financial Services Group's automobiles — 2nd year increased by 0.6% year-over-year, from 53.8% to 54.1%.
- What does automobiles — 2nd year mean?
- The claims performance of automobile insurance policies during their second year of coverage.