HGTY (Hagerty) Unearned Premiums: $648 Mil (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

HGTY Hagerty Inc HGTY
68 GF Score
Price $12.68
GF Value $8.86
Valuation Significantly Overvalued
! 7 Warning Signs
View Full Analysis

What is Hagerty Unearned Premiums?

Hagerty HGTY -0.82% 68 Unearned Premiums is $648 Mil as of Jun. 2026. GuruFocus rates HGTY with a GF Score™ of 68/100 and a GF Value™ of $8.86 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Hagerty's quarterly unearned premiums increased from Dec. 2025 ($535 Mil) to Mar. 2026 ($559 Mil) and increased from Mar. 2026 ($559 Mil) to Jun. 2026 ($648 Mil).

Hagerty's annual unearned premiums increased from Dec. 2023 ($317 Mil) to Dec. 2024 ($466 Mil) and increased from Dec. 2024 ($466 Mil) to Dec. 2025 ($535 Mil).

Hagerty Unearned Premiums Historical Data

* Premium members only.

The historical data trend for Hagerty's Unearned Premiums can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Hagerty Unearned Premiums Chart

Hagerty Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Unearned Premiums
Get a 7-Day Free Trial 189.07 252.55 317.28 465.89 535.28

Hagerty Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Unearned Premiums Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 410.50 439.40 535.28 558.75 648.33
HGTY
68GF Score
Hagerty Inc HGTY
Unearned Premiums is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Hagerty Unearned Premiums Calculation

The portion of premium that has not been earned by insurance companies. Insurance companies have to pay them back to the insured if the policies are cancelled.

Frequently Asked Questions Learn more about Unearned Premiums →
What does a Unearned Premiums of $648 Mil mean?
Hagerty (HGTY) has a Unearned Premiums of $648 Mil as of Jun. 2026. Unearned premiums are the premiums an insurance company have accrued in advance but not yet earned. View historical data for Hagerty and its competitors.
Is Hagerty's Unearned Premiums too high?
Hagerty's current Unearned Premiums is $648 Mil. Overall, Hagerty has a GF Score™ of 68/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hagerty's Unearned Premiums compare to UVE and ASIC?
Hagerty's Unearned Premiums of $648 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Unearned Premiums for an Insurance company?
A good Unearned Premiums depends on the Insurance industry context. However, Unearned Premiums should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Unearned Premiums mean?
A high Unearned Premiums can signal that a stock is expensive relative to its fundamentals. Unearned premiums are the premiums an insurance company have accrued in advance but not yet earned. View historical data for Hagerty and its competitors. Hagerty's current Unearned Premiums is $648 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hagerty stock overvalued right now?
Based on GuruFocus' analysis, Hagerty (HGTY) is currently considered Significantly Overvalued. The stock's GF Value™ is $8.86, compared to a current price of $12.68 — trading 43.1% above its estimated fair value. The current Unearned Premiums is $648 Mil. Hagerty's overall GF Score™ is 68/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Unearned Premiums calculated?
Unearned Premiums is calculated from a company's financial statements. For Hagerty (HGTY), the current Unearned Premiums is $648 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Hagerty (HGTY) Overvalued in 2026?

Based on GuruFocus' analysis, Hagerty stock appears to be overvalued. The current stock price of $12.68 is trading 43.1% above its estimated GF Value™ of $8.86. GuruFocus considers Hagerty to be Significantly Overvalued.

Key valuation signals for HGTY:

  • Unearned Premiums: $648 Mil
  • GF Value™: $8.86 vs. price of $12.68 (43.1% above fair value)
  • GF Score™: 68/100 with 7 warning signs

No single metric tells the full story. See the HGTY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Hagerty Business Description

Address 121 Drivers Edge, Traverse, MI, USA, 49684
Hagerty Inc is a provider of specialty automotive insurance. The company underwrites, sells, and services classic car and enthusiast vehicle insurance policies. Substantial revenue is derived from Commission and fees. Geographically, it serves Europe, Canada, and the United States.
68GF Score

Get the complete analysis for HGTY

Unearned Premiums is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$12.68
Price
$8.86
GF Value