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...

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	Exchange	Industry	Market Cap	Price	1d %	EBITDA	P/E	D/E	Country
UFCS	UNITED FIRE GROUP INC	NASDAQ	Insurance - Property & Casualty	$703.83M	$27.73	0.22%	$95.22M	11.32x	3.46	United States
KMPR	KEMPER CORP	NYSE	Insurance - Property & Casualty	$3.78B	$59.14	0.03%	$504.40M	11.95x	3.53	United States
KINS	KINGSTONE COMPANIES INC	NASDAQ	Insurance - Property & Casualty	$242.49M	$17.66	3.88%	$29.25M	11.04x	4.62	United States
UVE	UNIVERSAL INSURANCE HOLDINGS INC	NYSE	Insurance - Property & Casualty	$674.58M	$24.01	-0.95%	$97.20M	11.60x	6.61	United States
DGICA	DONEGAL GROUP INC	NASDAQ	Insurance - Property & Casualty	$689.97M	$19.36	0.05%	$67.16M	12.65x	3.28	United States
HRTG	HERITAGE INSURANCE HOLDINGS INC	NYSE	Insurance - Property & Casualty	$807.53M	$18.85	-0.26%	$103.16M	9.38x	7.49	United States
THG	HANOVER INSURANCE GROUP INC	NYSE	Insurance - Property & Casualty	$5.95B	$165.59	-0.31%	$587.00M	13.57x	4.08	United States
ACIC	AMERICAN COASTAL INSURANCE CORP	NASDAQ	Insurance - Property & Casualty	$546.66M	$11.33	-0.87%	$122.67M	7.13x	4.16	United States
HCI	HCI GROUP INC	NYSE	Insurance - Property & Casualty	$1.57B	$145.36	-0.64%	$173.44M	13.73x	3.89	United States
ALL	ALLSTATE CORP	NYSE	Insurance - Property & Casualty	$52.23B	$197.24	-0.58%	$6.02B	13.29x	4.22	United States
NODK	NI HOLDINGS INC	NASDAQ	Insurance - Property & Casualty	$261.21M	$12.63	1.04%	-$1.83M	-43.55x	1.15	United States
HGTY	HAGERTY INC	NYSE	Insurance - Property & Casualty	$2.99B	$8.76	-0.57%	$43.55M	87.60x	7.33	United States
HMN	HORACE MANN EDUCATORS CORP	NYSE	Insurance - Property & Casualty	$1.69B	$41.38	-0.39%	$189.60M	16.62x	10.25	United States
PLMR	PALOMAR HOLDINGS INC	NASDAQ	Insurance - Property & Casualty	$3.84B	$144.06	-0.66%	$157.44M	31.25x	2.10	United States
ROOT	ROOT INC	NASDAQ	Insurance - Property & Casualty	$2.08B	$136.63	-2.18%	$88.00M	69.71x	5.79	United States
PGR	PROGRESSIVE CORP	NYSE	Insurance - Property & Casualty	$162.77B	$277.66	-1.45%	$11.28B	19.22x	3.13	United States
BOW	BOWHEAD SPECIALTY HOLDINGS INC	NYSE	Insurance - Property & Casualty	$1.31B	$40.00	-0.47%	$56.17M	30.53x	3.47	United States
TRV	TRAVELERS COMPANIES INC	NYSE	Insurance - Property & Casualty	$59.24B	$261.45	-1.01%	$5.67B	14.03x	3.82	United States
SIGI	SELECTIVE INSURANCE GROUP INC	NASDAQ	Insurance - Property & Casualty	$5.28B	$86.89	-0.39%	$360.47M	23.48x	3.36	United States
STC	STEWART INFORMATION SERVICES CORP	NYSE	Insurance - Property & Casualty	$1.81B	$65.06	-0.64%	$180.99M	24.55x	0.94	United States
SKWD	SKYWARD SPECIALTY INSURANCE GROUP INC	NASDAQ	Insurance - Property & Casualty	$2.15B	$53.57	0.90%	$165.59M	18.04x	3.70	United States
L	LOEWS CORP	NYSE	Insurance - Property & Casualty	$18.37B	$86.31	-0.60%	$2.82B	13.44x	3.75	United States
MCY	MERCURY GENERAL CORP	NYSE	Insurance - Property & Casualty	$3.07B	$55.36	-0.11%	$679.14M	6.55x	3.27	United States
SAFT	SAFETY INSURANCE GROUP INC	NASDAQ	Insurance - Property & Casualty	$1.13B	$76.22	-0.37%	$100.56M	15.91x	1.74	United States
WRB	BERKLEY W R CORP	NYSE	Insurance - Property & Casualty	$26.99B	$71.18	-0.71%	$2.22B	16.21x	3.83	United States
CB	CHUBB LTD	NYSE	Insurance - Property & Casualty	$113.52B	$283.29	-0.98%	$11.32B	13.51x	2.75	Switzerland
KNSL	KINSALE CAPITAL GROUP INC	NYSE	Insurance - Property & Casualty	$9.94B	$426.46	-2.02%	$527.21M	24.38x	2.29	United States
CNA	CNA FINANCIAL CORP	NYSE	Insurance - Property & Casualty	$12.85B	$47.44	-1.50%	$1.41B	13.44x	5.33	United States
CINF	CINCINNATI FINANCIAL CORP	NASDAQ	Insurance - Property & Casualty	$21.86B	$139.84	0.45%	$1.97B	15.10x	1.72	United States
LMND	LEMONADE INC	NYSE	Insurance - Property & Casualty	$2.08B	$28.51	-2.43%	-$183.90M	-10.00x	2.12	United States
AFG	AMERICAN FINANCIAL GROUP INC	NYSE	Insurance - Property & Casualty	$10.59B	$126.11	-0.43%	$1.28B	11.93x	5.91	United States
MKL	MARKEL GROUP INC	NYSE	Insurance - Property & Casualty	$23.14B	$1,824.53	0.33%	$2.92B	13.40x	2.73	United States
WTM	WHITE MOUNTAINS INSURANCE GROUP LTD	NYSE	Insurance - Property & Casualty	$4.48B	$1,746.93	-1.16%	$317.40M	19.46x	1.07	United States
RLI	RLI CORP	NYSE	Insurance - Property & Casualty	$6.72B	$73.21	-1.08%	$359.90M	23.85x	2.57	United States
CNFR	CONIFER HOLDINGS INC	NASDAQ	Insurance - Property & Casualty	$8.25M	$0.68	-3.57%	$28.64M	0.35x	12.09	United States
GBLI	GLOBAL INDEMNITY GROUP LLC	NYSE	Insurance - Property & Casualty	$411.49M	$28.86	0.00%	$60.72M	9.19x	1.51	Cayman Islands
PRA	PROASSURANCE CORP	NYSE	Insurance - Property & Casualty	$1.18B	$23.04	-0.73%	$103.17M	22.37x	3.64	United States

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.