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...

Growth Financials Momentum Sentiment Forecast Dividends Due Diligence

Insurance - Property & Casualty is Zen Rated A and is the 28th ranked industry out of 145 stock market industries

Ticker	Company	Price	Graham Fair Value	Graham Fair Value %	P/E	Forward P/E	P/S	P/B	PEG	Free Cash Flow	Free Cash Flow Yield	Book Value	BVPS	EV	EV/EBITDA
UFCS	UNITED FIRE GROUP INC	$28.05	N/A	N/A	11.45x	11.59x	0.57x	0.91x	N/A	$328.43M	46.24%	$781.53M	30.87	$628.06M	6.60
KMPR	KEMPER CORP	$59.69	$58.82	1.48%	12.06x	9.90x	0.82x	1.37x	0.68x	$331.80M	8.70%	$2.79B	43.64	$3.75B	7.43
UVE	UNIVERSAL INSURANCE HOLDINGS INC	$24.68	$28.34	-12.90%	11.92x	9.31x	0.46x	1.86x	0.53x	$130.10M	18.50%	$373.25M	13.10	$532.57M	5.48
KINS	KINGSTONE COMPANIES INC	$20.12	$17.62	14.21%	12.58x	10.59x	1.49x	4.14x	0.83x	$55.61M	24.08%	$66.71M	5.81	$258.77M	8.85
DGICA	DONEGAL GROUP INC	$19.42	N/A	N/A	12.69x	16.18x	0.70x	1.27x	N/A	$67.44M	9.74%	$545.78M	15.31	$674.18M	10.04
HRTG	HERITAGE INSURANCE HOLDINGS INC	$19.13	$23.38	-18.17%	9.52x	7.87x	0.72x	2.82x	0.56x	$78.87M	13.48%	$290.80M	9.51	$497.21M	4.82
ACIC	AMERICAN COASTAL INSURANCE CORP	$11.59	N/A	N/A	7.29x	7.73x	1.87x	2.37x	N/A	$243.49M	43.93%	$235.66M	4.93	$512.15M	4.18
THG	HANOVER INSURANCE GROUP INC	$165.99	$124.01	33.85%	14.01x	11.69x	0.96x	2.10x	1.03x	$796.20M	13.36%	$2.84B	79.16	$6.31B	10.99
ROOT	ROOT INC	$151.00	N/A	N/A	77.04x	838.89x	1.91x	11.27x	N/A	$183.90M	8.17%	$203.70M	13.67	$1.90B	21.53
HCI	HCI GROUP INC	$145.83	$186.17	-21.67%	13.77x	9.73x	2.09x	3.46x	0.41x	$327.78M	20.88%	$453.33M	42.11	$1.26B	7.29
HGTY	HAGERTY INC	$8.79	$4.00	119.77%	87.90x	28.66x	0.64x	19.94x	0.91x	$155.68M	20.24%	$150.32M	1.72	$2.91B	66.90
NODK	NI HOLDINGS INC	$12.60	N/A	N/A	-43.45x	N/A	0.81x	1.07x	N/A	$37.80M	14.30%	$244.63M	11.67	$209.66M	-114.32
BOW	BOWHEAD SPECIALTY HOLDINGS INC	$40.86	$17.35	135.57%	31.19x	25.22x	2.81x	3.60x	1.45x	$291.18M	24.35%	$370.44M	12.66	$1.11B	19.81
HMN	HORACE MANN EDUCATORS CORP	$42.38	$37.33	13.53%	17.02x	11.15x	1.10x	1.35x	0.65x	$452.10M	25.83%	$1.29B	31.17	$2.24B	11.82
PLMR	PALOMAR HOLDINGS INC	$147.91	$66.20	123.42%	32.08x	23.89x	6.82x	5.41x	1.31x	$255.11M	6.76%	$729.03M	28.57	$3.87B	24.55
SIGI	SELECTIVE INSURANCE GROUP INC	$88.37	$78.99	11.87%	23.88x	12.09x	1.08x	1.65x	0.54x	$1.23B	22.94%	$3.26B	53.62	$6.17B	17.10
TRV	TRAVELERS COMPANIES INC	$264.05	$193.81	36.24%	14.17x	14.52x	1.27x	2.12x	1.05x	$8.98B	14.98%	$28.19B	124.24	$67.13B	11.84
ALL	ALLSTATE CORP	$198.79	$158.44	25.46%	11.54x	11.87x	0.82x	2.46x	1.14x	$8.74B	16.63%	$21.44B	81.13	$60.07B	8.85
PGR	PROGRESSIVE CORP	$276.31	$110.06	151.05%	19.12x	17.60x	2.15x	6.33x	3.37x	$14.91B	9.22%	$25.59B	43.71	$168.71B	14.96
STC	STEWART INFORMATION SERVICES CORP	$65.20	$76.65	-14.94%	24.60x	13.61x	0.74x	1.29x	0.38x	$95.14M	5.28%	$1.40B	50.75	$2.16B	11.94
L	LOEWS CORP	$86.64	$62.32	39.01%	13.50x	N/A	1.09x	1.08x	1.17x	$2.39B	12.54%	$17.07B	77.48	$26.85B	9.53
MCY	MERCURY GENERAL CORP	$56.20	$64.60	-13.01%	6.65x	-112.40x	0.57x	1.60x	1.16x	$1.00B	32.24%	$1.95B	35.14	$2.98B	4.39
CB	CHUBB LTD	$284.95	$177.64	60.41%	13.59x	13.45x	2.03x	1.74x	1.68x	$14.53B	12.72%	$65.73B	164.02	$129.99B	11.49
WRB	BERKLEY W R CORP	$71.28	$29.21	144.02%	16.24x	16.72x	1.98x	3.22x	5.46x	$3.57B	13.22%	$8.40B	22.14	$27.97B	12.59
SAFT	SAFETY INSURANCE GROUP INC	$77.83	N/A	N/A	16.25x	N/A	1.02x	1.39x	N/A	$124.32M	10.87%	$828.46M	56.39	$1.14B	11.35
KNSL	KINSALE CAPITAL GROUP INC	$434.60	$142.04	205.98%	24.85x	25.07x	6.15x	6.40x	3.51x	$963.15M	9.56%	$1.58B	68.32	$10.17B	19.30
SKWD	SKYWARD SPECIALTY INSURANCE GROUP INC	$53.54	$31.08	72.24%	18.03x	15.65x	1.86x	2.71x	1.32x	$300.89M	14.03%	$794.00M	19.82	$2.11B	12.74
CNA	CNA FINANCIAL CORP	$48.38	$37.41	29.32%	13.71x	10.80x	0.92x	1.25x	0.98x	$2.48B	18.85%	$10.51B	38.72	$15.61B	11.06
CINF	CINCINNATI FINANCIAL CORP	$139.85	N/A	N/A	15.10x	28.39x	1.99x	1.59x	N/A	$2.59B	11.84%	$13.72B	87.77	$21.73B	11.01
LMND	LEMONADE INC	$29.52	N/A	N/A	-10.36x	-10.46x	3.98x	3.62x	N/A	-$20.80M	-0.99%	$593.40M	8.36	$1.85B	-10.05
AFG	AMERICAN FINANCIAL GROUP INC	$128.04	$74.83	71.11%	12.11x	12.18x	1.29x	2.41x	2.91x	$1.05B	9.76%	$4.47B	53.23	$10.82B	8.45
MKL	MARKEL GROUP INC	$1,819.93	N/A	N/A	9.11x	19.61x	1.40x	1.37x	N/A	$2.34B	10.06%	$16.92B	1,324.66	$23.38B	5.72
RLI	RLI CORP	$74.07	$17.65	319.66%	24.13x	24.76x	3.92x	4.24x	55.20x	$588.13M	8.65%	$1.60B	17.48	$6.87B	19.09
WTM	WHITE MOUNTAINS INSURANCE GROUP LTD	$1,780.76	N/A	N/A	19.83x	N/A	2.04x	1.02x	N/A	$586.80M	12.86%	$4.48B	1,749.36	$4.86B	15.31
CNFR	CONIFER HOLDINGS INC	$0.66	$80.13	-99.18%	0.34x	N/A	0.12x	0.37x	0.00x	-$32.68M	-405.15%	$21.53M	1.76	-$7.65M	-0.27
GBLI	GLOBAL INDEMNITY GROUP LLC	$28.96	$19.30	50.08%	9.22x	9.05x	0.90x	0.60x	5.96x	$38.84M	9.83%	$689.15M	50.54	$405.45M	6.68
PRA	PROASSURANCE CORP	$23.26	$6.36	265.77%	22.58x	25.23x	1.03x	0.99x	13.87x	-$19.73M	-1.66%	$1.20B	23.52	$1.58B	15.29

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 -3 points lower than the property & casualty insurance industry average of 36. 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 26.81% 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 6.95% from United Fire Group's current stock price of $28.05.

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: B, 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 -5 points lower than the property & casualty insurance industry average of 36. 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 1.77% over the past year, underperforming other property & casualty insurance stocks by -15 percentage points.

Kemper has an average 1 year price target of $84.00, an upside of 40.73% from Kemper's current stock price of $59.69.

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. Universal Insurance Holdings (NYSE:UVE)

Universal Insurance Holdings (NYSE:UVE) is the #3 top property & casualty insurance stock out of 37 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: B, Sentiment: B, Safety: C, Financials: C, and AI: B.

Universal Insurance Holdings (NYSE:UVE) has a Due Diligence Score of 41, which is 5 points higher than the property & casualty insurance industry average of 36.

UVE passed 14 out of 38 due diligence checks and has strong fundamentals. Universal Insurance Holdings has seen its stock return 25.79% over the past year, overperforming other property & casualty insurance stocks by 9 percentage points.

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

Out of 21 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 7.81%, which is 5 percentage points higher than the property & casualty insurance industry average of 2.48%. 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 6.49%, which is 4 percentage points higher than the property & casualty insurance industry average of 2.48%. 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 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 4.63%, which is 2 percentage points higher than the property & casualty insurance industry average of 2.48%. 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 up?

Property & casualty insurance stocks were up 1.09% in the last day, and up 0.97% over the last week. Progressive was the among the top gainers in the insurance - property & casualty industry, gaining 2.5% yesterday.

Progressive shares are trading higher after Morgan Stanley raised its price target on the stock from $310 to $320 and maintained an Overweight rating.

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 29, which is -6 points higher than the property & casualty insurance industry average of 35. It passed 2 out of 7 valuation due diligence checks. Although this number is below the industry average, our proven quant model rates ACIC a Valuation Rating of "B".

American Coastal Insurance's stock has gained 9.34% in the past year. It has underperformed other stocks in the property & casualty insurance industry by -8 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 22 points higher than the property & casualty insurance industry average of 35. It passed 4 out of 7 valuation due diligence checks.

Heritage Insurance Holdings's stock has gained 86.27% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 69 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 36 points higher than the property & casualty insurance industry average of 35. It passed 5 out of 7 valuation due diligence checks.

Universal Insurance Holdings's stock has gained 25.79% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 9 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 7.19% over the next year.

5.88% of property & casualty insurance stocks have a Zen Rating of A (Strong Buy), 23.53% of property & casualty insurance stocks are rated B (Buy), 61.76% are rated C (Hold), 8.82% 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 16.2x.

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.

Property & Casualty Insurance Stocks FAQ

1. United Fire Group (NASDAQ:UFCS)

2. Kemper (NYSE:KMPR)

3. Universal Insurance Holdings (NYSE:UVE)

1. Cna Financial (NYSE:CNA)

2. American Financial Group (NYSE:AFG)

3. Safety Insurance Group (NASDAQ:SAFT)

1. American Coastal Insurance (NASDAQ:ACIC)

2. Heritage Insurance Holdings (NYSE:HRTG)

3. Universal Insurance Holdings (NYSE:UVE)

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