ACIC (American Coastal Insurance) Moat Score: 3/10 (As of Jun. 28, 2026)


ACIC American Coastal Insurance Corp ACIC
52 GF Score
Price $11.15
GF Value $11.54
Valuation Fairly Valued
! 2 Warning Signs
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What is American Coastal Insurance Moat Score?

American Coastal Insurance ACIC +3.58% 52 Moat Score is 3 as of Jun. 28, 2026. GuruFocus rates ACIC with a GF Score™ of 52/100 and a GF Value™ of $11.54 (Fairly Valued). The stock has 2 warning signs investors should review. Among 601 Insurance companies, American Coastal Insurance ranks better than 72.71% on this metric.

American Coastal Insurance has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

American Coastal Insurance has No Moat: American Coastal Insurance Corp operates in a competitive insurance market with limited differentiation. It lacks significant customer switching costs, brand strength, or regulatory barriers that would provide a sustainable competitive advantage.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes American Coastal Insurance might have No Moat - Very weak/transient advantages.

American Coastal Insurance  (NAS:ACIC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

American Coastal Insurance Moat Score Related Terms

ACIC vs GBLI, DGICA, HRTG: Moat Score Comparison

For the Insurance - Property & Casualty subindustry, American Coastal Insurance's Moat Score, along with its competitors' market caps and Moat Score 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.

American Coastal Insurance Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, American Coastal Insurance's Moat Score distribution charts can be found below:

* The bar in red indicates where American Coastal Insurance's Moat Score falls into.


ACIC
52GF Score
American Coastal Insurance Corp ACIC
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
American Coastal Insurance (ACIC) has a Moat Score of 3 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, American Coastal Insurance ranks #164 out of 601 companies in the Insurance industry, placing it in the top 27.3%.
Is American Coastal Insurance's Moat Score too high?
American Coastal Insurance's current Moat Score is 3. Based on the distribution chart, American Coastal Insurance ranks #164 out of 601 companies in the Insurance industry, which is above the industry midpoint. Overall, American Coastal Insurance has a GF Score™ of 52/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does American Coastal Insurance's Moat Score compare to GBLI and DGICA?
According to the Insurance industry distribution chart, American Coastal Insurance ranks #164 out of 601 companies for Moat Score. This puts American Coastal Insurance in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. American Coastal Insurance's current Moat Score is 3. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is American Coastal Insurance stock overvalued right now?
Based on GuruFocus' analysis, American Coastal Insurance (ACIC) is currently considered Fairly Valued. The stock's GF Value™ is $11.54, compared to a current price of $11.15 — trading 3.4% below its estimated fair value. The current Moat Score is 3. American Coastal Insurance's overall GF Score™ is 52/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For American Coastal Insurance (ACIC), the current Moat Score is 3 as of Jun. 28, 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 American Coastal Insurance (ACIC) Overvalued in 2026?

Based on GuruFocus' analysis, American Coastal Insurance stock appears to be undervalued. The current stock price of $11.15 is trading 3.4% below its estimated GF Value™ of $11.54. GuruFocus considers American Coastal Insurance to be Fairly Valued.

Key valuation signals for ACIC:

  • Moat Score: 3
  • GF Value™: $11.54 vs. price of $11.15 (3.4% below fair value)
  • GF Score™: 52/100 with 2 warning signs

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

American Coastal Insurance Business Description

Other Exchanges 0UI:Germany
Address 570 Carillon Parkway, Suite 100, Saint Petersburg, FL, USA, 33716
American Coastal Insurance Corp is a holding company that underwrites commercial residential property and casualty insurance policies in the United States through its wholly-owned insurance subsidiary.
52GF Score

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

$11.15
Price
$11.54
GF Value