Sectors & Industries Financial ServicesInsurance - Property & Casualty
Best Property & Casualty Insurance Stocks to Buy Now (2026)
Top property & casualty insurance stocks in 2026 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...

Overview Zen Rating Price Value Growth Financials

Momentum Sentiment Forecast Dividends Due Diligence

Insurance - Property & Casualty is Zen Rated C and is the 81st ranked industry out of 145 stock market industries

Ticker	Company	Market Cap	ROE	ROA	ROCE	ROIC	D/E	Current Ratio	Gross Margin	Profit Margin	Operating Margin
MCY	MERCURY GENERAL CORP	$5.43B	36.50%	8.90%	N/A	12.20%	2.81	N/A	40.10%	13.70%	17.43%
UVE	UNIVERSAL INSURANCE HOLDINGS INC	$1.08B	37.50%	6.50%	N/A	10.20%	3.74	N/A	39.90%	12.20%	16.58%
UFCS	UNITED FIRE GROUP INC	$1.23B	14.40%	3.40%	N/A	4.70%	3.11	N/A	45.10%	9.20%	12.36%
STC	STEWART INFORMATION SERVICES CORP	$2.03B	8.40%	4.30%	N/A	9.50%	0.97	N/A	32.30%	4.30%	6.34%
PLGO	PELAGOS INSURANCE CAPITAL LTD	$2.24B	9.50%	1.80%	N/A	2.60%	4.19	N/A	56.40%	9.00%	12.93%
ASIC	ATEGRITY SPECIALTY INSURANCE CO HOLDINGS	$952.49M	15.20%	6.30%	N/A	8.20%	1.41	N/A	51.70%	19.40%	24.78%
SKWD	SKYWARD SPECIALTY INSURANCE GROUP INC	$1.87B	17.40%	3.50%	N/A	4.90%	4.35	N/A	43.90%	11.40%	15.40%
SLDE	SLIDE INSURANCE HOLDINGS INC	$2.15B	48.40%	17.40%	N/A	49.80%	1.59	N/A	79.20%	38.90%	51.80%
ALL	ALLSTATE CORP	$55.96B	42.30%	10.00%	N/A	12.90%	2.92	N/A	46.90%	17.60%	23.41%
NODK	NI HOLDINGS INC	$282.64M	-1.80%	-0.80%	N/A	-0.90%	0.97	N/A	32.10%	-1.60%	-1.60%
KINS	KINGSTONE COMPANIES INC	$213.80M	28.30%	7.10%	N/A	9.40%	3.06	N/A	54.20%	13.90%	17.49%
BOW	BOWHEAD SPECIALTY HOLDINGS INC	$927.67M	13.40%	2.60%	N/A	3.70%	4.40	N/A	40.80%	10.00%	13.40%
THG	HANOVER INSURANCE GROUP INC	$6.81B	20.90%	4.40%	N/A	5.80%	3.63	N/A	24.80%	10.80%	14.47%
HCI	HCI GROUP INC	$2.00B	32.60%	12.30%	N/A	28.60%	1.32	N/A	73.20%	32.60%	45.57%
AII	AMERICAN INTEGRITY INSURANCE GROUP INC	$334.42M	25.20%	6.00%	N/A	8.80%	2.50	N/A	63.20%	27.60%	33.64%
PLMR	PALOMAR HOLDINGS INC	$2.94B	21.70%	6.30%	N/A	8.60%	2.77	N/A	71.70%	20.10%	26.18%
CB	CHUBB LTD	$125.72B	15.60%	4.20%	N/A	5.70%	2.65	N/A	47.50%	18.60%	24.38%
ROOT	ROOT INC	$876.30M	19.60%	3.30%	N/A	6.60%	3.83	N/A	39.50%	3.50%	5.06%
L	LOEWS CORP	$21.77B	8.90%	1.90%	N/A	2.70%	3.53	N/A	36.00%	8.80%	13.92%
WRB	BERKLEY W R CORP	$24.74B	19.50%	4.30%	N/A	5.60%	3.55	N/A	47.40%	12.60%	16.69%
TRV	TRAVELERS COMPANIES INC	$63.74B	24.10%	5.30%	N/A	6.80%	3.45	N/A	47.70%	15.50%	20.21%
ACIC	AMERICAN COASTAL INSURANCE CORP	$525.83M	33.00%	9.10%	N/A	16.50%	2.01	N/A	86.60%	31.30%	45.19%
HRTG	HERITAGE INSURANCE HOLDINGS INC	$710.80M	43.70%	8.80%	N/A	15.20%	2.88	N/A	64.00%	23.80%	32.47%
HMN	HORACE MANN EDUCATORS CORP	$1.82B	11.50%	1.10%	N/A	1.60%	9.18	N/A	46.20%	9.60%	14.05%
CINF	CINCINNATI FINANCIAL CORP	$25.74B	18.00%	6.80%	N/A	8.70%	1.62	N/A	50.30%	21.30%	26.97%
SIGI	SELECTIVE INSURANCE GROUP INC	$5.28B	12.70%	3.00%	N/A	4.00%	3.27	N/A	40.40%	8.20%	11.60%
PGR	PROGRESSIVE CORP	$116.71B	35.50%	9.60%	N/A	11.60%	2.81	N/A	37.20%	12.90%	16.58%
AFG	AMERICAN FINANCIAL GROUP INC	$11.16B	18.80%	2.70%	N/A	3.70%	5.92	N/A	21.50%	10.80%	14.67%
LMND	LEMONADE INC	$3.94B	-26.50%	-7.20%	N/A	-8.00%	2.78	N/A	42.40%	-16.40%	-15.88%
DGICA	DONEGAL GROUP INC	$632.81M	10.40%	2.70%	N/A	3.40%	2.77	N/A	40.40%	6.80%	8.45%
CNA	CNA FINANCIAL CORP	$11.83B	10.90%	1.80%	N/A	2.30%	5.32	N/A	33.90%	8.10%	11.13%
KNSL	KINSALE CAPITAL GROUP INC	$7.18B	28.00%	8.90%	N/A	11.30%	2.16	N/A	53.40%	27.50%	35.10%
SAFT	SAFETY INSURANCE GROUP INC	$1.04B	7.20%	2.60%	N/A	3.40%	1.85	N/A	33.10%	4.90%	6.47%
PRA	PROASSURANCE CORP	$1.26B	5.00%	1.20%	N/A	1.90%	3.05	N/A	40.30%	6.00%	9.95%
HGTY	HAGERTY INC	$3.58B	13.80%	1.40%	N/A	5.30%	5.90	N/A	46.40%	2.00%	4.23%
WTM	WHITE MOUNTAINS INSURANCE GROUP LTD	$5.29B	20.70%	8.40%	N/A	10.40%	1.30	N/A	72.40%	28.40%	33.83%
KMPR	KEMPER CORP	$1.75B	1.50%	0.30%	N/A	0.70%	3.69	N/A	1.50%	0.90%	1.70%
RLI	RLI CORP	$4.67B	22.00%	6.40%	N/A	8.00%	2.56	N/A	60.90%	20.80%	26.39%
MKL	MARKEL GROUP INC	$23.08B	9.70%	2.60%	N/A	3.90%	2.76	N/A	37.50%	10.90%	15.31%
PRHI	PRESURANCE HOLDINGS INC	$17.57M	-74.50%	-6.30%	N/A	-4.60%	8.39	N/A	16.40%	-41.90%	-29.80%
GBLI	GLOBAL INDEMNITY GROUP LLC	$407.01M	4.70%	1.90%	N/A	2.70%	1.39	N/A	52.20%	7.40%	9.74%

Property & Casualty Insurance Stocks FAQ

What are the best property & casualty insurance stocks to buy right now in May 2026?

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. Mercury General (NYSE:MCY)

Mercury General (NYSE:MCY) is the #1 top property & casualty insurance stock out of 41 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 Mercury General (NYSE:MCY) is: Value: B, Growth: C, Momentum: C, Sentiment: B, Safety: C, Financials: C, and AI: B.

Mercury General (NYSE:MCY) has a Due Diligence Score of 35, which is -3 points lower than the property & casualty insurance industry average of 38. Although this number is below the industry average, our proven quant model rates MCY as a "A".

MCY passed 13 out of 38 due diligence checks and has average fundamentals. Mercury General has seen its stock return 58.28% over the past year, overperforming other property & casualty insurance stocks by 58 percentage points.

2. Universal Insurance Holdings (NYSE:UVE)

Universal Insurance Holdings (NYSE:UVE) is the #2 top property & casualty insurance stock out of 41 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: B, Growth: C, Momentum: C, Sentiment: A, Safety: C, Financials: B, and AI: B.

Universal Insurance Holdings (NYSE:UVE) has a Due Diligence Score of 46, which is 8 points higher than the property & casualty insurance industry average of 38.

UVE passed 17 out of 38 due diligence checks and has strong fundamentals. Universal Insurance Holdings has seen its stock return 46.23% over the past year, overperforming other property & casualty insurance stocks by 46 percentage points.

Universal Insurance Holdings has an average 1 year price target of $40.00, an upside of 3.23% from Universal Insurance Holdings's current stock price of $38.75.

Universal Insurance Holdings stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 1 analyst covering Universal Insurance Holdings, 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.

3. United Fire Group (NASDAQ:UFCS)

United Fire Group (NASDAQ:UFCS) is the #3 top property & casualty insurance stock out of 41 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 United Fire Group (NASDAQ:UFCS) is: Value: C, Growth: C, Momentum: C, Sentiment: A, Safety: C, Financials: C, and AI: B.

United Fire Group (NASDAQ:UFCS) has a Due Diligence Score of 31, which is -7 points lower than the property & casualty insurance industry average of 38. Although this number is below the industry average, our proven quant model rates UFCS as a "B".

UFCS passed 11 out of 38 due diligence checks and has average fundamentals. United Fire Group has seen its stock return 68.51% over the past year, overperforming other property & casualty insurance stocks by 68 percentage points.

United Fire Group has an average 1 year price target of $51.00, an upside of 6.12% from United Fire Group's current stock price of $48.06.

United Fire Group stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 2 analysts covering United Fire Group, 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 28 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 8.83%, which is 6 percentage points higher than the property & casualty insurance industry average of 2.9%. Cna Financial's dividend payout is not stable, having dropped more than 10% nine 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 86.2% indicates that its high dividend yield is sustainable for the long-term.

2. Progressive (NYSE:PGR)

Progressive (NYSE:PGR) has an annual dividend yield of 6.96%, which is 4 percentage points higher than the property & casualty insurance industry average of 2.9%. Progressive's dividend payout is not stable, having dropped more than 10% seven times in the last 10 years. Progressive's dividend has not shown consistent growth over the last 10 years.

Progressive's dividend payout ratio of 70.5% indicates that its high dividend yield is sustainable for the long-term.

3. American Coastal Insurance (NASDAQ:ACIC)

American Coastal Insurance (NASDAQ:ACIC) has an annual dividend yield of 6.91%, which is 4 percentage points higher than the property & casualty insurance industry average of 2.9%. American Coastal Insurance's dividend payout is stable, having never dropped by more than 10% in the last 10 years. American Coastal Insurance's dividend has shown consistent growth over the last 10 years.

American Coastal Insurance's dividend payout ratio of 34.7% 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 0.64% in the last day, and up 1.04% 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 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 dropped -14.19% in the past year. It has underperformed other stocks in the property & casualty insurance industry by -15 percentage points.

2. Pelagos Insurance Capital (NYSE:PLGO)

Pelagos Insurance Capital (NYSE:PLGO) 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.

Pelagos Insurance Capital 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.

Pelagos Insurance Capital's stock has gained 34.89% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 34 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 A. Valuation is one of 7 Component Grades used to calculate the overall Zen Rating.

Heritage Insurance Holdings has a valuation score of 43, which is 10 points higher than the property & casualty insurance industry average of 33. It passed 3 out of 7 valuation due diligence checks.

Heritage Insurance Holdings's stock has dropped -2.25% in the past year. It has underperformed other stocks in the property & casualty insurance industry by -3 percentage points.

Are property & casualty insurance stocks a good buy now?

35.71% of property & casualty insurance stocks rated by analysts are a hold right now. On average, analysts expect property & casualty insurance stocks to rise by 9.88% over the next year.

2.56% of property & casualty insurance stocks have a Zen Rating of A (Strong Buy), 17.95% of property & casualty insurance stocks are rated B (Buy), 61.54% are rated C (Hold), 17.95% 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 10.17x.

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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.