Sectors & Industries Financial ServicesInsurance - Property & Casualty
Best Property & Casualty Insurance Stocks to Buy Now (2025)
Top property & casualty insurance stocks in 2025 ranked by overall Zen Rating. "A" Rated stocks have returned an average of +32.52% per year, and are the best property & casualty insurance stocks to buy now. Learn More.

Industry: Insurance - Property & Ca...

Growth Financials Momentum Sentiment Forecast Dividends Due Diligence

Insurance - Property & Casualty is Zen Rated A and is the 7th ranked industry out of 145 stock market industries

Ticker	Company	Price	Graham Fair Value	Graham Fair Value %	P/E	Forward P/E	P/S	P/B	PEG	Free Cash Flow	Free Cash Flow Yield	Book Value	BVPS	EV	EV/EBITDA
KINS	KINGSTONE COMPANIES INC	$15.00	$16.82	-10.81%	6.98x	6.68x	1.13x	2.24x	1.30x	$69.13M	33.09%	$94.88M	6.81	$183.46M	4.71
ALL	ALLSTATE CORP	$194.75	$146.63	32.82%	9.03x	7.98x	0.78x	2.14x	3.45x	$8.54B	16.57%	$24.02B	90.78	$58.41B	7.02
UVE	UNIVERSAL INSURANCE HOLDINGS INC	$32.74	N/A	N/A	7.47x	7.00x	0.58x	1.86x	N/A	$249.86M	27.40%	$495.04M	17.78	$551.38M	3.16
HRTG	HERITAGE INSURANCE HOLDINGS INC	$24.76	$30.66	-19.24%	9.75x	5.65x	0.91x	2.33x	0.58x	$73.53M	9.67%	$329.00M	10.72	$446.92M	3.62
HCI	HCI GROUP INC	$203.61	$132.74	53.39%	16.47x	12.57x	3.09x	4.50x	1.25x	$307.01M	13.06%	$522.68M	45.26	$1.82B	9.00
HMN	HORACE MANN EDUCATORS CORP	$46.75	$41.23	13.38%	13.75x	10.30x	1.17x	1.40x	0.81x	$609.50M	31.57%	$1.36B	32.94	$2.41B	10.18
THG	HANOVER INSURANCE GROUP INC	$176.01	N/A	N/A	10.01x	9.82x	0.97x	1.83x	N/A	$1.00B	15.93%	$3.43B	95.71	$6.63B	7.97
STC	STEWART INFORMATION SERVICES CORP	$68.98	$52.73	30.81%	21.83x	15.45x	0.73x	1.34x	0.75x	$122.21M	6.34%	$1.44B	51.48	$2.33B	11.75
MCY	MERCURY GENERAL CORP	$81.75	N/A	N/A	10.31x	17.99x	0.78x	2.03x	N/A	$1.03B	22.64%	$2.23B	40.30	$3.86B	6.03
UFCS	UNITED FIRE GROUP INC	$35.44	N/A	N/A	9.79x	11.47x	0.68x	1.07x	N/A	$291.61M	32.31%	$845.67M	33.20	$818.44M	6.04
CNA	CNA FINANCIAL CORP	$44.66	$42.63	4.76%	12.17x	9.31x	0.82x	1.07x	0.78x	$2.53B	20.87%	$11.32B	41.76	$15.07B	10.30
HGTY	HAGERTY INC	$11.38	$3.50	224.69%	32.51x	33.99x	0.80x	18.39x	2.89x	$154.70M	14.14%	$211.65M	2.20	$3.78B	51.35
SLDE	SLIDE INSURANCE HOLDINGS INC	$16.80	N/A	N/A	N/A	6.45x	N/A	2.43x	N/A	N/A	N/A	$868.06M	6.92	$737.26M	N/A
CINF	CINCINNATI FINANCIAL CORP	$160.04	N/A	N/A	11.78x	22.37x	2.07x	1.62x	N/A	$2.79B	11.18%	$15.41B	98.75	$24.39B	8.67
SKWD	SKYWARD SPECIALTY INSURANCE GROUP INC	$46.83	$39.68	18.03%	14.28x	12.36x	1.51x	2.11x	0.85x	$372.09M	19.65%	$899.92M	22.25	$1.84B	10.35
WTM	WHITE MOUNTAINS INSURANCE GROUP LTD	$1,897.42	$1.18k	61.37%	23.79x	13.92x	1.98x	1.05x	0.99x	$470.80M	9.64%	$4.64B	1,803.58	$5.24B	16.96
ACIC	AMERICAN COASTAL INSURANCE CORP	$12.40	N/A	N/A	8.10x	9.01x	1.97x	2.30x	N/A	$145.35M	24.35%	$260.88M	5.42	$518.95M	4.37
AII	AMERICAN INTEGRITY INSURANCE GROUP INC	$24.55	N/A	N/A	N/A	4.78x	N/A	1.59x	N/A	N/A	N/A	$301.87M	17.80	$206.05M	N/A
L	LOEWS CORP	$100.86	$46.28	117.95%	14.60x	N/A	1.15x	1.14x	6.24x	$3.04B	14.53%	$18.29B	88.12	$29.72B	10.37
SAFT	SAFETY INSURANCE GROUP INC	$71.93	$57.74	24.59%	14.68x	11.75x	0.92x	1.26x	0.92x	$151.37M	14.30%	$850.67M	57.80	$1.05B	10.24
KMPR	KEMPER CORP	$42.63	$43.36	-1.68%	7.95x	7.51x	0.56x	0.91x	1.31x	$552.80M	20.67%	$2.95B	47.07	$3.44B	7.63
TRV	TRAVELERS COMPANIES INC	$276.65	$178.75	54.77%	10.72x	10.87x	1.28x	1.95x	3.63x	$9.99B	16.11%	$31.61B	141.05	$70.25B	9.13
ASIC	ATEGRITY SPECIALTY INSURANCE CO HOLDINGS	$18.78	N/A	N/A	N/A	13.29x	N/A	1.61x	N/A	N/A	N/A	$559.69M	13.30	$879.16M	N/A
CB	CHUBB LTD	$283.26	$203.42	39.25%	11.71x	11.60x	1.91x	1.55x	1.68x	$13.32B	11.95%	$71.86B	182.58	$130.03B	9.98
PLMR	PALOMAR HOLDINGS INC	$116.71	$75.27	55.04%	19.92x	15.86x	4.58x	3.69x	1.05x	$374.63M	12.00%	$847.20M	31.66	$3.04B	15.03
RLI	RLI CORP	$60.55	N/A	N/A	15.73x	17.76x	3.00x	2.97x	N/A	$581.29M	10.45%	$1.87B	20.41	$5.61B	12.38
MKL	MARKEL GROUP INC	$1,997.10	N/A	N/A	12.46x	19.93x	1.60x	1.40x	N/A	$2.38B	9.43%	$18.04B	1,430.64	$24.85B	7.72
LMND	LEMONADE INC	$78.73	N/A	N/A	-27.92x	-30.02x	9.62x	11.04x	N/A	-$21.40M	-0.37%	$527.10M	7.18	$5.55B	-29.45
SIGI	SELECTIVE INSURANCE GROUP INC	$77.03	$62.06	24.13%	11.78x	10.79x	0.89x	1.33x	1.20x	$1.15B	24.77%	$3.49B	57.77	$5.53B	9.42
BOW	BOWHEAD SPECIALTY HOLDINGS INC	$25.92	$17.93	44.58%	16.00x	16.11x	1.64x	1.97x	1.14x	$328.30M	38.63%	$431.04M	13.15	$598.96M	8.29
WRB	BERKLEY W R CORP	$74.72	$30.29	146.72%	15.60x	17.19x	1.94x	2.90x	11.72x	$3.33B	11.73%	$9.80B	25.79	$28.87B	11.46
DGICA	DONEGAL GROUP INC	$19.26	N/A	N/A	7.99x	8.70x	0.71x	1.16x	N/A	$78.82M	11.21%	$605.67M	16.59	$680.72M	6.37
PGR	PROGRESSIVE CORP	$208.94	N/A	N/A	11.43x	11.57x	1.44x	3.46x	N/A	$17.13B	13.98%	$35.45B	60.44	$129.23B	9.17
AFG	AMERICAN FINANCIAL GROUP INC	$135.18	$87.28	54.88%	14.85x	13.82x	1.36x	2.50x	1.47x	$1.55B	13.76%	$4.52B	54.08	$11.48B	10.10
KNSL	KINSALE CAPITAL GROUP INC	$394.49	$129.55	204.51%	19.27x	20.59x	5.07x	4.92x	14.30x	$961.45M	10.52%	$1.87B	80.54	$9.21B	14.99
ROOT	ROOT INC	$88.82	N/A	N/A	16.57x	41.60x	1.00x	5.61x	N/A	$184.60M	13.50%	$244.50M	15.88	$929.63M	7.33
PRA	PROASSURANCE CORP	$24.03	$11.32	112.33%	36.41x	20.19x	1.10x	0.95x	1.20x	$697.00k	0.06%	$1.30B	25.37	$1.62B	20.24
GBLI	GLOBAL INDEMNITY GROUP LLC	$29.25	$25.43	15.02%	15.08x	14.41x	0.95x	0.60x	0.77x	$1.68M	0.40%	$704.14M	49.25	$352.54M	8.37
PRHI	PRESURANCE HOLDINGS INC	$1.37	$47.45	-97.11%	0.56x	26.86x	0.27x	0.59x	0.02x	-$48.74M	-291.09%	$28.21M	2.31	$6.85M	0.20
NODK	NI HOLDINGS INC	$13.34	N/A	N/A	166.75x	N/A	0.90x	1.13x	N/A	$19.57M	6.97%	$243.32M	11.57	$219.02M	62.74

Property & Casualty Insurance Stocks FAQ

What are the best property & casualty insurance stocks to buy right now in Nov 2025?

According to Zen Ratings, our proprietary rating system that evaluates 115 factors proven to drive growth in stocks and assigns each stock in our system an overall letter grade as well as 7 individual Component Grades for Value, Growth, Momentum, Sentiment, Safety, Financials, and proprietary AI algorithms, the 3 best property & casualty insurance stocks to buy right now are:

1. Kingstone Companies (NASDAQ:KINS)

Kingstone Companies (NASDAQ:KINS) is the #1 top property & casualty insurance stock out of 40 with a Zen Rating of A. Stocks with a rating of A have had an average return of +32.52% per year. Learn more.

The Component Grade breakdown for Kingstone Companies (NASDAQ:KINS) is: Value: A, Growth: B, Momentum: C, Sentiment: B, Safety: C, Financials: C, and AI: C.

Kingstone Companies (NASDAQ:KINS) has a Due Diligence Score of 49, which is 14 points higher than the property & casualty insurance industry average of 35.

KINS passed 20 out of 38 due diligence checks and has strong fundamentals. Kingstone Companies has seen its stock return 37.87% over the past year, overperforming other property & casualty insurance stocks by 25 percentage points.

2. Allstate (NYSE:ALL)

Allstate (NYSE:ALL) is the #2 top property & casualty insurance stock out of 40 with a Zen Rating of B. Stocks with a rating of B have had an average return of +19.88% per year. Learn more.

The Component Grade breakdown for Allstate (NYSE:ALL) is: Value: B, Growth: C, Momentum: C, Sentiment: B, Safety: C, Financials: C, and AI: B.

Allstate (NYSE:ALL) has a Due Diligence Score of 39, which is 4 points higher than the property & casualty insurance industry average of 35.

ALL passed 13 out of 38 due diligence checks and has average fundamentals. Allstate has seen its stock return 5.24% over the past year, underperforming other property & casualty insurance stocks by -8 percentage points.

Allstate has an average 1 year price target of $217.91, an upside of 11.89% from Allstate's current stock price of $194.75.

Allstate stock has a consensus Buy recommendation according to Wall Street analysts. Of the 11 analysts covering Allstate, 54.55% have issued a Strong Buy rating, 27.27% have issued a Buy, 9.09% have issued a hold, while 0% have issued a Sell rating, and 9.09% have issued a Strong Sell.

3. Universal Insurance Holdings (NYSE:UVE)

Universal Insurance Holdings (NYSE:UVE) is the #3 top property & casualty insurance stock out of 40 with a Zen Rating of B. Stocks with a rating of B have had an average return of +19.88% per year. Learn more.

The Component Grade breakdown for Universal Insurance Holdings (NYSE:UVE) is: Value: C, Growth: C, Momentum: B, Sentiment: C, Safety: C, Financials: B, and AI: B.

Universal Insurance Holdings (NYSE:UVE) has a Due Diligence Score of 33, which is -2 points lower than the property & casualty insurance industry average of 35. Although this number is below the industry average, our proven quant model rates UVE as a "B".

UVE passed 12 out of 38 due diligence checks and has average fundamentals. Universal Insurance Holdings has seen its stock return 60.81% over the past year, overperforming other property & casualty insurance stocks by 48 percentage points.

What are the property & casualty insurance stocks with highest dividends?

Out of 25 property & casualty insurance stocks that have issued dividends in the past year, the 3 property & casualty insurance stocks with the highest dividend yields are:

1. Cna Financial (NYSE:CNA)

Cna Financial (NYSE:CNA) has an annual dividend yield of 8.55%, which is 6 percentage points higher than the property & casualty insurance industry average of 2.37%. Cna Financial's dividend payout is not stable, having dropped more than 10% ten times in the last 10 years. Cna Financial's dividend has shown consistent growth over the last 10 years.

Cna Financial's dividend payout ratio of 104.1% indicates that its high dividend yield might not be sustainable for the long-term.

2. American Financial Group (NYSE:AFG)

American Financial Group (NYSE:AFG) has an annual dividend yield of 6.27%, which is 4 percentage points higher than the property & casualty insurance industry average of 2.37%. American Financial Group's dividend payout is not stable, having dropped more than 10% twenty times in the last 10 years. American Financial Group's dividend has not shown consistent growth over the last 10 years.

American Financial Group's dividend payout ratio of 92.3% indicates that its high dividend yield might not be sustainable for the long-term.

3. Safety Insurance Group (NASDAQ:SAFT)

Safety Insurance Group (NASDAQ:SAFT) has an annual dividend yield of 5.03%, which is 3 percentage points higher than the property & casualty insurance industry average of 2.37%. Safety Insurance Group's dividend payout is stable, having never dropped by more than 10% in the last 10 years. Safety Insurance Group's dividend has shown consistent growth over the last 10 years.

Safety Insurance Group's dividend payout ratio of 73.5% indicates that its high dividend yield is sustainable for the long-term.

Why are property & casualty insurance stocks up?

Property & casualty insurance stocks were up 0.65% in the last day, and up 3.93% over the last week. Lemonade was the among the top gainers in the insurance - property & casualty industry, gaining 34.21% yesterday.

Lemonade shares are trading higher after the company reported better-than-expected Q3 results and raised its FY2025 sales guidance above estimates.

What are the most undervalued property & casualty insurance stocks?

Based on the Valuation rating, one of the 7 components of a stocks overall Zen Ratings grade, which evaluates factors including estimated earnings yield, earnings before interest and taxes/enterprise value, cash flow yield, free cash flow to price, and price-to-earnings growth (PEG ratio), the 3 most undervalued property & casualty insurance stocks right now are:

1. Kingstone Companies (NASDAQ:KINS)

Kingstone Companies (NASDAQ:KINS) is the most undervalued property & casualty insurance stock based on its Valuation Rating of A. Valuation is one of 7 Component Grades used to calculate the overall Zen Rating.

Kingstone Companies has a valuation score of 57, which is 24 points higher than the property & casualty insurance industry average of 33. It passed 4 out of 7 valuation due diligence checks.

Kingstone Companies's stock has gained 37.87% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 25 percentage points.

2. Kemper (NYSE:KMPR)

Kemper (NYSE:KMPR) is the second most undervalued property & casualty insurance stock based on its Valuation Rating of A. Valuation is one of 7 Component Grades used to calculate the overall Zen Rating.

Kemper has a valuation score of 57, which is 24 points higher than the property & casualty insurance industry average of 33. It passed 4 out of 7 valuation due diligence checks.

Kemper's stock has dropped -32.9% in the past year. It has underperformed other stocks in the property & casualty insurance industry by -46 percentage points.

3. Heritage Insurance Holdings (NYSE:HRTG)

Heritage Insurance Holdings (NYSE:HRTG) is the third most undervalued property & casualty insurance stock based on its Valuation Rating of B. Valuation is one of 7 Component Grades used to calculate the overall Zen Rating.

Heritage Insurance Holdings has a valuation score of 57, which is 24 points higher than the property & casualty insurance industry average of 33. It passed 4 out of 7 valuation due diligence checks.

Heritage Insurance Holdings's stock has gained 127.57% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 115 percentage points.

Are property & casualty insurance stocks a good buy now?

39.29% of property & casualty insurance stocks rated by analysts are a buy right now. On average, analysts expect property & casualty insurance stocks to rise by 13.13% over the next year.

2.78% of property & casualty insurance stocks have a Zen Rating of A (Strong Buy), 33.33% of property & casualty insurance stocks are rated B (Buy), 63.89% are rated C (Hold), 0% are rated D (Sell), and 0% are rated F (Strong Sell).

What is the average p/e ratio of the insurance - property & casualty industry?

The average P/E ratio of the insurance - property & casualty industry is 11.85x.

WallStreetZen does not provide financial advice and does not issue recommendations or offers to buy stock or sell any security.

Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.

Property & Casualty Insurance Stocks FAQ

1. Kingstone Companies (NASDAQ:KINS)

2. Allstate (NYSE:ALL)

3. Universal Insurance Holdings (NYSE:UVE)

1. Cna Financial (NYSE:CNA)

2. American Financial Group (NYSE:AFG)

3. Safety Insurance Group (NASDAQ:SAFT)

1. Kingstone Companies (NASDAQ:KINS)

2. Kemper (NYSE:KMPR)

3. Heritage Insurance Holdings (NYSE:HRTG)

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