AII (American Integrity Insurance Group) Claims Ratio %: 30.60% (As of Jun. 2026)

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AII American Integrity Insurance Group Inc AII
13 GF Score
Price $26.00
! 3 Warning Signs
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What is American Integrity Insurance Group Claims Ratio %?

American Integrity Insurance Group AII -0.61% 13 Claims Ratio % is 30.60% as of Jun. 2026. GuruFocus rates AII with a GF Score™ of 13/100. The stock has 3 warning signs investors should review.

Claims Ratio % is the percentage of claims costs incurred in relation to the premiums earned.

American Integrity Insurance Group's Claims Ratio % for the quarter that ended in Jun. 2026 was 30.60% , which is lower than 37.30% for the pervious quarter ended in Mar. 2026.

American Integrity Insurance Group's Claims Ratio % for the annual that ended in Dec. 2025 was 38.70% , which is lower than 47.90% for the pervious year ended in Dec. 2024.

The historical rank and industry rank for American Integrity Insurance Group's Claims Ratio % or its related term are showing as below:

AII's Claims Ratio % is not ranked *
in the Insurance industry.
Industry Median:
* Ranked among companies with meaningful Claims Ratio % only.

American Integrity Insurance Group  (NYSE:AII) Claims Ratio % Explanation

Claims Ratio % the percentage of claims costs incurred in relation to the premiums earned during the period. It is the equivalent of gross profit margin for an insurance company.

It's important to note that insurance is the business of managing risks and, to do that well, the insurer needs a thorough understanding of the incurred claims ratio. If the value is higher than expected or above established norms, then further investigation is required to figure out why that is (eg: fraud). If it is lower than expected, it could indicate irrelevant products or difficulties in claiming, possibly affecting customer satisfaction.

American Integrity Insurance Group Claims Ratio % Related Terms

American Integrity Insurance Group Claims Ratio % Historical Data

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The historical data trend for American Integrity Insurance Group's Claims Ratio % 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.

American Integrity Insurance Group Claims Ratio % Chart

American Integrity Insurance Group Annual Data
Trend Dec24 Dec25
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Expense Ratio %
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American Integrity Insurance GroupQuarterly Data
Trend Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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AII vs ACIC, GBLI, NODK: Claims Ratio % Comparison

For the Insurance - Property & Casualty subindustry, American Integrity Insurance Group's Claims Ratio %, along with its competitors' market caps and Claims Ratio % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

AII
13GF Score
American Integrity Insurance Group Inc AII
Claims Ratio % is just one metric. See GF Score™, valuation, warning signs, and more.
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American Integrity Insurance Group  (NYSE:AII) Claims Ratio % Calculation

Claims Ratio % is calculated as

Claims Ratio %=Total Claims / Total Premiums Earned * 100%

* 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.

Frequently Asked Questions
What does a Claims Ratio % of 30.60% mean?
American Integrity Insurance Group (AII) has a Claims Ratio % of 30.60% as of Jun. 2026. Claims Ratio is the percentage of claims costs incurred in relation to the premiums earned. View historical data on American Integrity Insurance Group and its competitors.
Is American Integrity Insurance Group's Claims Ratio % too high?
American Integrity Insurance Group's current Claims Ratio % is 30.60%. Overall, American Integrity Insurance Group has a GF Score™ of 13/100, reflecting its overall financial health beyond just this single metric.
How does American Integrity Insurance Group's Claims Ratio % compare to ACIC and GBLI?
American Integrity Insurance Group's Claims Ratio % of 30.60% 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 Claims Ratio % for an Insurance company?
A good Claims Ratio % depends on the Insurance industry context. However, Claims Ratio % 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 Claims Ratio % mean?
A high Claims Ratio % can signal that a stock is expensive relative to its fundamentals. Claims Ratio is the percentage of claims costs incurred in relation to the premiums earned. View historical data on American Integrity Insurance Group and its competitors. American Integrity Insurance Group's current Claims Ratio % is 30.60%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is American Integrity Insurance Group stock overvalued right now?
American Integrity Insurance Group (AII) has a current Claims Ratio % of 30.60%. The current Claims Ratio % is 30.60%. American Integrity Insurance Group's overall GF Score™ is 13/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Claims Ratio % calculated?
Claims Ratio % is calculated from a company's financial statements. For American Integrity Insurance Group (AII), the current Claims Ratio % is 30.60% 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.

American Integrity Insurance Group Business Description

Address 5426 Bay Center Drive, Suite 600, Tampa, FL, USA, 33609
American Integrity Insurance Group Inc is engaged in the property and casualty insurance business. It provides personal residential property insurance for single-family homeowners and condominium owners as well as coverage for vacant dwellings and investment properties, predominantly in Florida. The Company's property and casualty insurance is currently offered in Florida, North Carolina, South Carolina, and Georgia.
13GF Score

Get the complete analysis for AII

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

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