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 Forecast Dividends Due Diligence

Insurance - Property & Casualty is Zen Rated A and is the 24th 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
HCI	HCI GROUP INC	$2.43B	31.90%	8.80%	N/A	17.70%	1.82	N/A	63.20%	25.00%	35.53%
UVE	UNIVERSAL INSURANCE HOLDINGS INC	$926.17M	28.00%	4.10%	N/A	6.30%	5.24	N/A	33.60%	7.70%	10.65%
MCY	MERCURY GENERAL CORP	$5.18B	22.10%	4.90%	N/A	6.80%	3.20	N/A	31.80%	7.50%	9.74%
HRTG	HERITAGE INSURANCE HOLDINGS INC	$898.90M	41.40%	6.20%	N/A	10.50%	4.41	N/A	57.40%	17.70%	24.81%
SKWD	SKYWARD SPECIALTY INSURANCE GROUP INC	$2.01B	16.10%	3.40%	N/A	4.70%	3.78	N/A	41.70%	10.60%	14.08%
ALL	ALLSTATE CORP	$54.22B	34.80%	7.10%	N/A	9.30%	3.38	N/A	40.70%	12.40%	16.67%
STC	STEWART INFORMATION SERVICES CORP	$2.06B	7.10%	3.70%	N/A	8.20%	0.93	N/A	32.10%	3.70%	5.56%
ACIC	AMERICAN COASTAL INSURANCE CORP	$617.86M	30.50%	7.00%	N/A	12.30%	2.60	N/A	81.90%	26.00%	38.09%
SLDE	SLIDE INSURANCE HOLDINGS INC	$2.23B	N/A	N/A	N/A	N/A	1.79	N/A	N/A	N/A	N/A
UFCS	UNITED FIRE GROUP INC	$937.91M	13.30%	3.10%	N/A	4.30%	3.18	N/A	44.70%	8.20%	11.07%
HGTY	HAGERTY INC	$4.44B	20.50%	1.90%	2.99%	5.10%	6.79	1.00	35.60%	2.60%	2.06%
KINS	KINGSTONE COMPANIES INC	$225.93M	35.80%	7.90%	N/A	10.90%	2.98	N/A	58.20%	15.70%	20.08%
THG	HANOVER INSURANCE GROUP INC	$6.59B	20.20%	4.00%	N/A	5.20%	3.90	N/A	23.60%	9.70%	12.84%
PLMR	PALOMAR HOLDINGS INC	$3.35B	21.70%	6.70%	N/A	9.10%	2.35	N/A	75.00%	22.60%	29.05%
CINF	CINCINNATI FINANCIAL CORP	$25.88B	14.80%	5.50%	N/A	7.00%	1.63	N/A	46.20%	17.60%	22.12%
CNA	CNA FINANCIAL CORP	$12.60B	9.30%	1.50%	N/A	2.00%	5.16	N/A	34.70%	6.70%	9.39%
HMN	HORACE MANN EDUCATORS CORP	$1.88B	12.10%	1.10%	N/A	1.60%	9.75	N/A	44.90%	9.80%	14.25%
AII	AMERICAN INTEGRITY INSURANCE GROUP INC	$396.43M	N/A	N/A	N/A	N/A	3.54	N/A	N/A	N/A	N/A
SAFT	SAFETY INSURANCE GROUP INC	$1.17B	10.10%	3.70%	N/A	4.90%	1.72	N/A	36.40%	7.10%	9.14%
TRV	TRAVELERS COMPANIES INC	$63.64B	20.10%	4.30%	N/A	5.50%	3.55	N/A	43.30%	12.10%	15.90%
L	LOEWS CORP	$21.56B	8.30%	1.70%	N/A	2.50%	3.65	N/A	36.60%	7.90%	12.50%
CB	CHUBB LTD	$121.40B	14.30%	3.80%	N/A	5.10%	2.68	N/A	45.10%	16.50%	21.75%
RLI	RLI CORP	$5.91B	21.00%	6.00%	N/A	7.50%	2.33	N/A	58.20%	19.00%	24.00%
ASIC	ATEGRITY SPECIALTY INSURANCE CO HOLDINGS	$971.91M	N/A	N/A	N/A	N/A	1.46	N/A	N/A	N/A	N/A
MKL	MARKEL GROUP INC	$27.34B	11.70%	3.10%	N/A	4.70%	2.71	N/A	37.00%	12.90%	18.24%
SIGI	SELECTIVE INSURANCE GROUP INC	$4.97B	12.00%	2.80%	N/A	3.70%	3.29	N/A	39.60%	7.60%	10.63%
LMND	LEMONADE INC	$5.82B	-31.90%	-9.20%	N/A	-11.10%	2.72	N/A	38.10%	-26.40%	-27.04%
WRB	BERKLEY W R CORP	$26.35B	20.90%	4.50%	N/A	6.00%	3.46	N/A	47.50%	13.00%	17.50%
BOW	BOWHEAD SPECIALTY HOLDINGS INC	$913.33M	13.10%	2.80%	N/A	4.10%	3.86	N/A	41.50%	10.10%	13.24%
DGICA	DONEGAL GROUP INC	$746.02M	14.60%	3.60%	N/A	4.60%	2.86	N/A	42.30%	8.70%	10.89%
PGR	PROGRESSIVE CORP	$137.72B	35.00%	9.40%	N/A	11.50%	2.43	N/A	36.90%	12.60%	16.18%
WTM	WHITE MOUNTAINS INSURANCE GROUP LTD	$5.25B	3.00%	1.20%	N/A	2.30%	1.39	N/A	59.90%	5.60%	10.20%
AFG	AMERICAN FINANCIAL GROUP INC	$11.45B	17.60%	2.50%	N/A	3.50%	6.15	N/A	20.30%	9.70%	13.20%
KMPR	KEMPER CORP	$2.42B	8.70%	2.00%	N/A	1.80%	3.56	N/A	4.30%	5.10%	4.47%
KNSL	KINSALE CAPITAL GROUP INC	$9.11B	28.50%	8.80%	N/A	11.20%	2.13	N/A	51.70%	26.30%	33.74%
ROOT	ROOT INC	$1.26B	22.90%	3.40%	N/A	7.00%	4.78	N/A	39.90%	3.70%	5.58%
PRA	PROASSURANCE CORP	$1.25B	2.70%	0.60%	N/A	1.10%	3.26	N/A	35.80%	3.00%	5.83%
NODK	NI HOLDINGS INC	$286.01M	1.10%	0.50%	N/A	0.90%	1.23	N/A	34.80%	0.90%	1.48%
PRHI	PRESURANCE HOLDINGS INC	$13.26M	-106.50%	-9.50%	N/A	-8.50%	10.26	N/A	-2.20%	-50.10%	-44.23%
GBLI	GLOBAL INDEMNITY GROUP LLC	$406.69M	4.00%	1.60%	N/A	2.20%	1.46	N/A	49.50%	6.20%	8.20%

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 18 points higher than the property & casualty insurance industry average of 34.

HCI passed 20 out of 38 due diligence checks and has strong fundamentals. Hci Group has seen its stock return 65.57% over the past year, overperforming other property & casualty insurance stocks by 56 percentage points.

Hci Group has an average 1 year price target of $245.00, an upside of 30.69% from Hci Group's current stock price of $187.47.

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 5 points higher than the property & casualty insurance industry average of 34.

UVE passed 14 out of 38 due diligence checks and has average fundamentals. Universal Insurance Holdings has seen its stock return 56.2% over the past year, overperforming other property & casualty insurance stocks by 46 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: B.

Mercury General (NYSE:MCY) has a Due Diligence Score of 26, which is -8 points lower than the property & casualty insurance industry average of 34. 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 30.44% over the past year, overperforming other property & casualty insurance stocks by 21 percentage points.

Mercury General has an average 1 year price target of $100.00, an upside of 6.94% from Mercury General's current stock price of $93.51.

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 8.25%, which is 6 percentage points higher than the property & casualty insurance industry average of 2.22%. 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 4.72%, which is 2 percentage points higher than the property & casualty insurance industry average of 2.22%. 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 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 4.64%, which is 2 percentage points higher than the property & casualty insurance industry average of 2.22%. 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 1.03% in the last day, and up 4.01% 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 26 points higher than the property & casualty insurance industry average of 31. It passed 4 out of 7 valuation due diligence checks.

Kingstone Companies's stock has gained 5.69% 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 43, which is 12 points higher than the property & casualty insurance industry average of 31. It passed 3 out of 7 valuation due diligence checks.

Heritage Insurance Holdings's stock has gained 135.47% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 126 percentage points.

3. Slide Insurance Holdings (NASDAQ:SLDE)

Slide Insurance Holdings (NASDAQ:SLDE) 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.

Slide Insurance Holdings has a valuation score of 0, which is -31 points higher than the property & casualty insurance industry average of 31. It passed 0 out of 7 valuation due diligence checks. Although this number is below the industry average, our proven quant model rates SLDE a Valuation Rating of "B".

Are property & casualty insurance stocks a good buy now?

37.04% of property & casualty insurance stocks rated by analysts are a buy right now. On average, analysts expect property & casualty insurance stocks to rise by 11.23% over the next year.

2.7% of property & casualty insurance stocks have a Zen Rating of A (Strong Buy), 35.14% of property & casualty insurance stocks are rated B (Buy), 56.76% 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 12.34x.

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.