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...

Overview Zen Rating Price Value Growth Financials Momentum Sentiment

Insurance - Property & Casualty is Zen Rated A and is the 23rd ranked industry out of 145 stock market industries

Ticker	Company	Market Cap	Shares	Institutional %	Insider %	Net Insider (L12M)	Net Insider (L3M)
HCI	HCI GROUP INC	$2.46B	12,960,037	78.69%	9.80%	Net Selling
UVE	UNIVERSAL INSURANCE HOLDINGS INC	$960.95M	28,048,881	71.74%	28.26%	Net Selling	Net Selling
MCY	MERCURY GENERAL CORP	$5.16B	55,388,627	46.18%	35.78%	Net Buying	Net Buying
HRTG	HERITAGE INSURANCE HOLDINGS INC	$924.56M	30,911,435	60.15%	19.37%	Net Selling	Net Selling
STC	STEWART INFORMATION SERVICES CORP	$2.05B	28,024,203	92.35%	7.65%	Net Selling	Net Selling
SKWD	SKYWARD SPECIALTY INSURANCE GROUP INC	$2.10B	40,487,365	88.20%	11.80%	Net Selling	Net Selling
ALL	ALLSTATE CORP	$53.63B	261,681,708	77.57%	1.60%	Net Selling	Net Selling
THG	HANOVER INSURANCE GROUP INC	$6.59B	35,583,964	88.16%	5.23%	Net Selling	Net Selling
SLDE	SLIDE INSURANCE HOLDINGS INC	$2.31B	124,289,799	26.10%	73.90%	Net Selling
HMN	HORACE MANN EDUCATORS CORP	$1.90B	40,684,968	95.54%	4.46%	Net Selling	Net Selling
KINS	KINGSTONE COMPANIES INC	$237.82M	14,147,428	51.74%	32.01%	Net Selling
ACIC	AMERICAN COASTAL INSURANCE CORP	$635.41M	48,765,302	31.14%	68.86%	Net Selling	Net Selling
UFCS	UNITED FIRE GROUP INC	$948.11M	25,514,329	21.97%	78.03%	Net Buying	Net Buying
HGTY	HAGERTY INC	$4.46B	342,064,049	26.23%	21.77%	Net Selling	Net Selling
CNA	CNA FINANCIAL CORP	$12.94B	270,666,584	51.79%	48.21%	Net Selling	Net Selling
CINF	CINCINNATI FINANCIAL CORP	$26.20B	156,018,513	68.02%	14.69%	Net Buying	Net Buying
PLMR	PALOMAR HOLDINGS INC	$3.55B	26,501,692	87.19%	12.81%	Net Selling	Net Selling
SAFT	SAFETY INSURANCE GROUP INC	$1.19B	14,894,054	64.01%	35.99%	Net Selling
L	LOEWS CORP	$21.88B	206,659,567	43.63%	56.37%	Net Selling	Net Selling
AII	AMERICAN INTEGRITY INSURANCE GROUP INC	$400.54M	19,576,804	56.28%	39.79%	Net Selling	Net Selling
TRV	TRAVELERS COMPANIES INC	$65.50B	223,063,417	83.05%	1.72%	Net Selling	Net Buying
CB	CHUBB LTD	$122.38B	393,550,859	87.38%	1.15%	Net Selling	Net Selling
SIGI	SELECTIVE INSURANCE GROUP INC	$5.11B	60,409,116	85.27%	4.45%	Net Selling	Net Buying
ASIC	ATEGRITY SPECIALTY INSURANCE CO HOLDINGS	$1.01B	48,066,674	13.48%	81.21%	Net Buying	Net Buying
RLI	RLI CORP	$6.07B	91,837,835	81.95%	6.46%	Net Buying	Net Buying
MKL	MARKEL GROUP INC	$27.30B	12,610,250	98.04%	1.96%	Net Selling	Net Selling
LMND	LEMONADE INC	$6.19B	74,731,027	40.65%	59.35%	Net Selling	Net Selling
DGICA	DONEGAL GROUP INC	$767.64M	36,641,561	36.38%	16.05%	Net Buying	Net Buying
PGR	PROGRESSIVE CORP	$131.86B	586,397,236	84.55%	8.82%	Net Selling	Net Selling
WRB	BERKLEY W R CORP	$26.43B	380,021,174	41.40%	58.60%	Net Selling
WTM	WHITE MOUNTAINS INSURANCE GROUP LTD	$5.21B	2,553,106	61.58%	38.42%	Net Selling	Net Selling
BOW	BOWHEAD SPECIALTY HOLDINGS INC	$953.66M	32,782,974	31.06%	68.94%	Net Selling
AFG	AMERICAN FINANCIAL GROUP INC	$11.50B	83,403,572	43.53%	56.47%	Net Selling	Net Selling
KNSL	KINSALE CAPITAL GROUP INC	$9.21B	23,263,426	83.53%	11.94%	Net Selling	Net Buying
KMPR	KEMPER CORP	$2.37B	58,546,860	62.60%	37.40%	Net Buying	Net Buying
ROOT	ROOT INC	$1.20B	15,508,961	24.01%	75.99%	Net Selling	Net Selling
PRA	PROASSURANCE CORP	$1.24B	51,413,643	88.24%	11.76%	Net Buying
GBLI	GLOBAL INDEMNITY GROUP LLC	$405.80M	14,323,954	33.99%	66.01%	Net Buying	Net Buying
NODK	NI HOLDINGS INC	$302.70M	20,605,747	24.71%	65.00%	Net Selling
PRHI	PRESURANCE HOLDINGS INC	$10.76M	12,222,881	1.49%	98.51%	Net Buying	Net Selling

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.