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 24th ranked industry out of 145 stock market industries

Ticker	Company	Market Cap	Shares	Institutional %	Insider %	Net Insider (L12M)	Net Insider (L3M)
UFCS	UNITED FIRE GROUP INC	$703.83M	25,381,478	21.43%	78.57%	Net Buying	Net Buying
KMPR	KEMPER CORP	$3.78B	63,900,557	63.82%	36.18%	Net Selling	Net Selling
KINS	KINGSTONE COMPANIES INC	$242.49M	13,730,802	27.27%	32.76%	Net Selling
UVE	UNIVERSAL INSURANCE HOLDINGS INC	$674.58M	28,095,824	68.89%	28.83%	Net Selling	Net Selling
DGICA	DONEGAL GROUP INC	$689.97M	35,638,834	31.45%	16.56%	Net Buying	Net Buying
HRTG	HERITAGE INSURANCE HOLDINGS INC	$807.53M	42,839,713	39.33%	15.26%	Net Buying	Net Buying
THG	HANOVER INSURANCE GROUP INC	$5.95B	35,916,283	88.61%	5.16%	Net Selling	Net Selling
ACIC	AMERICAN COASTAL INSURANCE CORP	$546.66M	48,248,630	26.48%	70.14%	Net Selling	Net Selling
HCI	HCI GROUP INC	$1.57B	10,766,734	86.60%	11.76%	Net Selling	Net Selling
ALL	ALLSTATE CORP	$52.23B	264,817,505	78.22%	1.61%	Net Selling	Net Selling
NODK	NI HOLDINGS INC	$261.21M	20,681,546	24.68%	64.55%	Net Selling	Net Selling
HGTY	HAGERTY INC	$2.99B	341,074,569	22.04%	22.76%	Net Selling	Net Selling
HMN	HORACE MANN EDUCATORS CORP	$1.69B	40,871,981	95.65%	4.35%	Net Selling	Net Selling
PLMR	PALOMAR HOLDINGS INC	$3.84B	26,677,622	87.33%	12.67%	Net Selling	Net Selling
ROOT	ROOT INC	$2.08B	15,200,000	19.68%	80.32%	Net Selling	Net Selling
PGR	PROGRESSIVE CORP	$162.77B	586,207,679	85.61%	8.83%	Net Selling	Net Selling
BOW	BOWHEAD SPECIALTY HOLDINGS INC	$1.31B	32,662,683	29.84%	70.16%	Net Selling	Net Buying
TRV	TRAVELERS COMPANIES INC	$59.24B	226,568,786	83.22%	1.70%	Net Selling	Net Selling
SIGI	SELECTIVE INSURANCE GROUP INC	$5.28B	60,774,444	84.48%	4.37%	Net Selling	Net Selling
STC	STEWART INFORMATION SERVICES CORP	$1.81B	27,810,679	92.49%	7.51%	Net Selling	Net Selling
SKWD	SKYWARD SPECIALTY INSURANCE GROUP INC	$2.15B	40,127,908	87.80%	12.20%	Net Selling	Net Selling
L	LOEWS CORP	$18.37B	212,861,300	45.85%	54.15%	Net Selling	Net Selling
MCY	MERCURY GENERAL CORP	$3.07B	55,388,627	43.38%	35.75%	Net Selling
SAFT	SAFETY INSURANCE GROUP INC	$1.13B	14,838,007	64.23%	35.77%	Net Selling	Net Selling
WRB	BERKLEY W R CORP	$26.99B	379,226,056	61.44%	38.56%	Net Selling
CB	CHUBB LTD	$113.52B	400,725,707	90.87%	1.17%	Net Selling	Net Selling
KNSL	KINSALE CAPITAL GROUP INC	$9.94B	23,311,435	85.19%	11.92%	Net Selling	Net Selling
CNA	CNA FINANCIAL CORP	$12.85B	270,861,659	51.56%	48.44%	Net Selling	Net Selling
CINF	CINCINNATI FINANCIAL CORP	$21.86B	156,303,610	67.49%	14.64%	Net Buying	Net Selling
LMND	LEMONADE INC	$2.08B	72,820,080	38.94%	61.06%	Net Selling	Net Selling
AFG	AMERICAN FINANCIAL GROUP INC	$10.59B	83,982,106	43.13%	56.87%	Net Buying	Net Buying
MKL	MARKEL GROUP INC	$23.14B	12,684,687	78.42%	3.23%	Net Selling	Net Selling
WTM	WHITE MOUNTAINS INSURANCE GROUP LTD	$4.48B	2,563,051	61.05%	38.95%	Net Selling
RLI	RLI CORP	$6.72B	91,773,034	40.42%	6.08%	Net Buying	Net Selling
CNFR	CONIFER HOLDINGS INC	$8.25M	12,222,881	1.84%	98.16%	Net Buying	Net Buying
GBLI	GLOBAL INDEMNITY GROUP LLC	$411.49M	14,258,199	34.02%	65.98%	Net Buying	Net Buying
PRA	PROASSURANCE CORP	$1.18B	51,156,821	83.42%	12.89%	Net Buying	Net Buying

Property & Casualty Insurance Stocks FAQ

What are the best property & casualty insurance stocks to buy right now in May 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. United Fire Group (NASDAQ:UFCS)

United Fire Group (NASDAQ:UFCS) is the #1 top property & casualty insurance stock out of 37 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 United Fire Group (NASDAQ:UFCS) is: Value: C, Growth: C, Momentum: B, Sentiment: A, Safety: C, Financials: C, and AI: A.

United Fire Group (NASDAQ:UFCS) has a Due Diligence Score of 33, which is -4 points lower than the property & casualty insurance industry average of 37. Although this number is below the industry average, our proven quant model rates UFCS as a "A".

UFCS passed 12 out of 38 due diligence checks and has average fundamentals. United Fire Group has seen its stock return 23.57% over the past year, overperforming other property & casualty insurance stocks by 10 percentage points.

United Fire Group has an average 1 year price target of $30.00, an upside of 8.19% from United Fire Group's current stock price of $27.73.

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

2. Kemper (NYSE:KMPR)

Kemper (NYSE:KMPR) is the #2 top property & casualty insurance stock out of 37 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 Kemper (NYSE:KMPR) is: Value: C, Growth: B, Momentum: C, Sentiment: B, Safety: C, Financials: C, and AI: C.

Kemper (NYSE:KMPR) has a Due Diligence Score of 31, which is -6 points lower than the property & casualty insurance industry average of 37. Although this number is below the industry average, our proven quant model rates KMPR as a "A".

KMPR passed 12 out of 38 due diligence checks and has average fundamentals. Kemper has seen its stock return 1.11% over the past year, underperforming other property & casualty insurance stocks by -12 percentage points.

Kemper has an average 1 year price target of $84.00, an upside of 42.04% from Kemper's current stock price of $59.14.

Kemper stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 2 analysts covering Kemper, 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. Kingstone Companies (NASDAQ:KINS)

Kingstone Companies (NASDAQ:KINS) is the #3 top property & casualty insurance stock out of 37 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: C, Growth: C, Momentum: B, Sentiment: C, Safety: C, Financials: C, and AI: C.

Kingstone Companies (NASDAQ:KINS) has a Due Diligence Score of 42, which is 5 points higher than the property & casualty insurance industry average of 37.

KINS passed 18 out of 38 due diligence checks and has strong fundamentals. Kingstone Companies has seen its stock return 310.7% over the past year, overperforming other property & casualty insurance stocks by 297 percentage points.

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

Out of 22 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 7.97%, which is 5 percentage points higher than the property & casualty insurance industry average of 2.55%. 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 106.5% 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 6.59%, which is 4 percentage points higher than the property & casualty insurance industry average of 2.55%. American Financial Group's dividend payout is not stable, having dropped more than 10% twenty-one 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 66.4% indicates that its high dividend yield is sustainable for the long-term.

3. Safety Insurance Group (NASDAQ:SAFT)

Safety Insurance Group (NASDAQ:SAFT) has an annual dividend yield of 4.72%, which is 2 percentage points higher than the property & casualty insurance industry average of 2.55%. 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 75.2% indicates that its high dividend yield is sustainable for the long-term.

Why are property & casualty insurance stocks down?

Property & casualty insurance stocks were down -0.63% in the last day, and down -1.35% over the last week.

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

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. American Coastal Insurance (NASDAQ:ACIC)

American Coastal Insurance (NASDAQ:ACIC) is the 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.

American Coastal Insurance has a valuation score of 43, which is 6 points higher than the property & casualty insurance industry average of 37. It passed 3 out of 7 valuation due diligence checks.

American Coastal Insurance's stock has gained 5.99% in the past year. It has underperformed other stocks in the property & casualty insurance industry by -7 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 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 20 points higher than the property & casualty insurance industry average of 37. It passed 4 out of 7 valuation due diligence checks.

Heritage Insurance Holdings's stock has gained 83.19% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 70 percentage points.

3. Universal Insurance Holdings (NYSE:UVE)

Universal Insurance Holdings (NYSE:UVE) 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.

Universal Insurance Holdings has a valuation score of 71, which is 34 points higher than the property & casualty insurance industry average of 37. It passed 5 out of 7 valuation due diligence checks.

Universal Insurance Holdings's stock has gained 19.75% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 6 percentage points.

Are property & casualty insurance stocks a good buy now?

42.86% of property & casualty insurance stocks rated by analysts are a buy right now. On average, analysts expect property & casualty insurance stocks to rise by 8% over the next year.

8.82% of property & casualty insurance stocks have a Zen Rating of A (Strong Buy), 14.71% of property & casualty insurance stocks are rated B (Buy), 70.59% are rated C (Hold), 5.88% 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 16.45x.

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.