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 23rd 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
HCI	HCI GROUP INC	$189.54	$106.60	77.81%	10.98x	9.33x	3.01x	2.99x	10.13x	$404.26M	16.46%	$821.78M	63.41	$1.54B	5.10
UVE	UNIVERSAL INSURANCE HOLDINGS INC	$34.26	N/A	N/A	7.82x	7.33x	0.60x	1.94x	N/A	$249.86M	26.19%	$495.04M	17.78	$594.02M	3.40
MCY	MERCURY GENERAL CORP	$93.12	N/A	N/A	11.74x	13.56x	0.89x	2.31x	N/A	$1.03B	19.87%	$2.23B	40.30	$4.49B	7.01
HRTG	HERITAGE INSURANCE HOLDINGS INC	$29.91	N/A	N/A	6.19x	5.73x	1.10x	2.11x	N/A	$107.49M	11.61%	$437.25M	14.12	$452.50M	2.05
STC	STEWART INFORMATION SERVICES CORP	$73.15	$49.23	48.60%	20.04x	16.39x	0.74x	1.39x	0.96x	$129.23M	6.31%	$1.47B	52.62	$2.43B	11.26
SKWD	SKYWARD SPECIALTY INSURANCE GROUP INC	$51.80	$39.59	30.85%	14.80x	13.27x	1.57x	2.18x	0.99x	$373.38M	17.80%	$961.42M	23.75	$2.02B	10.55
ALL	ALLSTATE CORP	$204.93	N/A	N/A	6.55x	7.03x	0.81x	1.95x	N/A	$8.64B	16.02%	$27.51B	104.54	$60.78B	5.21
THG	HANOVER INSURANCE GROUP INC	$185.26	$103.18	79.55%	10.53x	10.20x	1.02x	1.92x	43.63x	$1.00B	15.14%	$3.43B	95.71	$6.96B	8.36
SLDE	SLIDE INSURANCE HOLDINGS INC	$18.56	N/A	N/A	N/A	6.36x	N/A	2.39x	N/A	N/A	N/A	$964.22M	7.70	$949.58M	N/A
HMN	HORACE MANN EDUCATORS CORP	$46.70	$37.73	23.78%	11.70x	9.89x	1.15x	1.32x	1.17x	$616.80M	32.06%	$1.44B	34.98	$2.44B	9.17
KINS	KINGSTONE COMPANIES INC	$16.81	$16.42	2.40%	7.28x	7.49x	1.19x	2.21x	2.02x	$73.36M	30.86%	$107.65M	7.61	$215.80M	5.05
ACIC	AMERICAN COASTAL INSURANCE CORP	$13.03	N/A	N/A	7.40x	6.39x	1.93x	1.94x	N/A	$120.27M	18.96%	$327.22M	6.72	$428.74M	3.22
UFCS	UNITED FIRE GROUP INC	$37.16	N/A	N/A	8.48x	9.26x	0.70x	1.05x	N/A	$328.05M	34.62%	$898.71M	35.24	$860.50M	5.37
HGTY	HAGERTY INC	$13.03	$4.02	224.23%	37.23x	34.65x	0.92x	21.06x	2.40x	$154.70M	12.35%	$211.65M	2.20	$4.34B	59.02
CNA	CNA FINANCIAL CORP	$47.81	$42.91	11.41%	13.03x	9.66x	0.87x	1.14x	0.81x	$2.53B	19.50%	$11.32B	41.76	$15.93B	10.89
CINF	CINCINNATI FINANCIAL CORP	$167.91	N/A	N/A	12.36x	22.57x	2.17x	1.70x	N/A	$2.79B	10.65%	$15.41B	98.75	$25.62B	9.11
PLMR	PALOMAR HOLDINGS INC	$133.87	$73.89	81.16%	20.25x	17.01x	4.58x	4.04x	1.38x	$358.14M	10.04%	$878.11M	32.97	$3.44B	14.86
SAFT	SAFETY INSURANCE GROUP INC	$79.92	$48.57	64.55%	13.57x	13.06x	0.96x	1.32x	2.02x	$170.81M	14.49%	$899.55M	61.01	$1.18B	9.86
L	LOEWS CORP	$105.86	$45.87	130.77%	15.32x	N/A	1.20x	1.20x	6.55x	$3.04B	13.84%	$18.29B	88.12	$30.75B	10.73
AII	AMERICAN INTEGRITY INSURANCE GROUP INC	$20.46	N/A	N/A	N/A	3.87x	N/A	1.27x	N/A	N/A	N/A	$315.88M	16.14	$217.97M	N/A
TRV	TRAVELERS COMPANIES INC	$293.65	$177.43	65.50%	11.38x	11.53x	1.36x	2.07x	3.82x	$9.99B	15.17%	$31.61B	141.05	$74.04B	9.62
CB	CHUBB LTD	$310.96	$201.60	54.25%	12.86x	12.70x	2.09x	1.70x	1.85x	$13.32B	10.89%	$71.86B	182.58	$140.93B	10.81
SIGI	SELECTIVE INSURANCE GROUP INC	$84.51	$60.99	38.57%	12.92x	12.16x	0.98x	1.46x	1.34x	$1.15B	22.58%	$3.49B	57.77	$5.98B	10.19
ASIC	ATEGRITY SPECIALTY INSURANCE CO HOLDINGS	$20.95	N/A	N/A	N/A	14.30x	N/A	1.71x	N/A	N/A	N/A	$588.56M	12.25	$972.68M	N/A
RLI	RLI CORP	$66.09	N/A	N/A	17.17x	19.38x	3.27x	3.24x	N/A	$581.29M	9.58%	$1.87B	20.41	$6.12B	13.50
MKL	MARKEL GROUP INC	$2,164.73	N/A	N/A	13.50x	20.05x	1.73x	1.51x	N/A	$2.38B	8.70%	$18.04B	1,430.64	$26.97B	8.37
LMND	LEMONADE INC	$82.82	N/A	N/A	-34.80x	-33.68x	9.33x	11.99x	N/A	-$32.90M	-0.53%	$516.20M	6.96	$5.97B	-37.14
DGICA	DONEGAL GROUP INC	$20.95	N/A	N/A	8.52x	9.80x	0.78x	1.22x	N/A	$88.44M	11.52%	$627.44M	17.12	$764.07M	6.87
PGR	PROGRESSIVE CORP	$224.86	N/A	N/A	12.30x	12.51x	1.55x	3.72x	N/A	$17.13B	12.99%	$35.45B	60.44	$138.57B	9.83
WRB	BERKLEY W R CORP	$69.55	$30.24	129.99%	14.52x	15.99x	1.80x	2.70x	9.97x	$3.33B	12.60%	$9.80B	25.79	$26.90B	10.68
WTM	WHITE MOUNTAINS INSURANCE GROUP LTD	$2,040.00	$1.28k	59.76%	37.60x	14.96x	2.09x	1.09x	0.78x	$560.70M	10.77%	$4.77B	1,867.37	$5.64B	21.88
BOW	BOWHEAD SPECIALTY HOLDINGS INC	$29.09	$18.71	55.49%	17.96x	17.28x	1.84x	2.21x	1.15x	$328.30M	34.42%	$431.04M	13.15	$702.88M	9.72
AFG	AMERICAN FINANCIAL GROUP INC	$137.94	$82.59	67.02%	14.49x	13.75x	1.39x	2.43x	1.84x	$1.30B	11.28%	$4.73B	56.72	$11.48B	9.77
KNSL	KINSALE CAPITAL GROUP INC	$396.00	$128.08	209.17%	19.35x	20.55x	5.09x	4.94x	14.84x	$961.45M	10.48%	$1.87B	80.54	$9.24B	15.05
KMPR	KEMPER CORP	$40.47	$46.04	-12.11%	10.46x	9.17x	0.49x	0.87x	0.63x	$559.50M	23.61%	$2.73B	46.67	$3.21B	10.74
ROOT	ROOT INC	$77.07	N/A	N/A	21.65x	44.43x	0.82x	4.51x	N/A	$191.30M	16.12%	$265.00M	17.21	$741.28M	8.03
PRA	PROASSURANCE CORP	$24.20	$9.52	154.11%	36.67x	22.91x	1.11x	0.95x	1.56x	$697.00k	0.06%	$1.30B	25.37	$1.63B	20.35
GBLI	GLOBAL INDEMNITY GROUP LLC	$28.33	$27.85	1.73%	14.60x	12.80x	0.92x	0.58x	0.63x	$1.68M	0.41%	$704.14M	49.25	$339.36M	8.06
NODK	NI HOLDINGS INC	$14.69	N/A	N/A	113.00x	N/A	1.04x	1.24x	N/A	-$7.13M	-2.31%	$243.80M	11.61	$278.05M	54.75
PRHI	PRESURANCE HOLDINGS INC	$0.88	N/A	N/A	-0.40x	17.25x	0.20x	0.43x	N/A	-$38.70M	-359.77%	$25.30M	2.07	$15.47M	-0.66

Property & Casualty Insurance Stocks FAQ

What are the best property & casualty insurance stocks to buy right now in Dec 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. Hci Group (NYSE:HCI)

Hci Group (NYSE:HCI) 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 Hci Group (NYSE:HCI) is: Value: C, Growth: A, Momentum: C, Sentiment: A, Safety: C, Financials: B, and AI: B.

Hci Group (NYSE:HCI) has a Due Diligence Score of 52, which is 19 points higher than the property & casualty insurance industry average of 33.

HCI passed 20 out of 38 due diligence checks and has strong fundamentals. Hci Group has seen its stock return 73.89% over the past year, overperforming other property & casualty insurance stocks by 60 percentage points.

Hci Group has an average 1 year price target of $245.00, an upside of 29.26% from Hci Group's current stock price of $189.54.

Hci Group stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 2 analysts covering Hci Group, 50% have issued a Strong Buy rating, 50% have issued a Buy, 0% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

2. Universal Insurance Holdings (NYSE:UVE)

Universal Insurance Holdings (NYSE:UVE) 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 Universal Insurance Holdings (NYSE:UVE) is: Value: C, Growth: C, Momentum: B, Sentiment: C, Safety: C, Financials: B, and AI: A.

Universal Insurance Holdings (NYSE:UVE) has a Due Diligence Score of 39, which is 6 points higher than the property & casualty insurance industry average of 33.

UVE passed 14 out of 38 due diligence checks and has average fundamentals. Universal Insurance Holdings has seen its stock return 66.15% over the past year, overperforming other property & casualty insurance stocks by 52 percentage points.

3. Mercury General (NYSE:MCY)

Mercury General (NYSE:MCY) 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 Mercury General (NYSE:MCY) is: Value: C, Growth: C, Momentum: B, Sentiment: A, Safety: C, Financials: C, and AI: A.

Mercury General (NYSE:MCY) has a Due Diligence Score of 26, which is -7 points lower than the property & casualty insurance industry average of 33. Although this number is below the industry average, our proven quant model rates MCY as a "B".

MCY passed 9 out of 38 due diligence checks and has average fundamentals. Mercury General has seen its stock return 38.14% over the past year, overperforming other property & casualty insurance stocks by 24 percentage points.

Mercury General has an average 1 year price target of $100.00, an upside of 7.39% from Mercury General's current stock price of $93.12.

Mercury General stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 1 analyst covering Mercury General, 100% have issued a Strong Buy rating, 0% have issued a Buy, 0% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

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

Out of 24 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 8.03%, which is 6 percentage points higher than the property & casualty insurance industry average of 2.13%. 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 not 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 4.7%, which is 3 percentage points higher than the property & casualty insurance industry average of 2.13%. 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 shown consistent growth over the last 10 years.

American Financial Group's dividend payout ratio of 97.5% 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 4.55%, which is 2 percentage points higher than the property & casualty insurance industry average of 2.13%. 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 61.5% 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 0.55% in the last day, and up 1.23% over the last week.

We couldn't find a catalyst for why property & casualty insurance stocks are up.

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 43, which is 14 points higher than the property & casualty insurance industry average of 29. It passed 3 out of 7 valuation due diligence checks.

Kingstone Companies's stock has gained 10.23% in the past year. It has underperformed other stocks in the property & casualty insurance industry by -4 percentage points.

2. Heritage Insurance Holdings (NYSE:HRTG)

Heritage Insurance Holdings (NYSE:HRTG) 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.

Heritage Insurance Holdings has a valuation score of 29, which is 0 points higher than the property & casualty insurance industry average of 29. It passed 2 out of 7 valuation due diligence checks.

Heritage Insurance Holdings's stock has gained 160.54% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 146 percentage points.

3. Allstate (NYSE:ALL)

Allstate (NYSE:ALL) 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.

Allstate has a valuation score of 43, which is 14 points higher than the property & casualty insurance industry average of 29. It passed 3 out of 7 valuation due diligence checks.

Allstate's stock has gained 8.29% in the past year. It has underperformed other stocks in the property & casualty insurance industry by -6 percentage points.

Are property & casualty insurance stocks a good buy now?

40.74% of property & casualty insurance stocks rated by analysts are a buy right now. On average, analysts expect property & casualty insurance stocks to rise by 10.51% over the next year.

2.7% of property & casualty insurance stocks have a Zen Rating of A (Strong Buy), 37.84% of property & casualty insurance stocks are rated B (Buy), 54.05% are rated C (Hold), 5.41% 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 12.27x.

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.