Sectors & Industries Financial ServicesInsurance - Property & Casualty
Best Property & Casualty Insurance Stocks to Buy Now (2026)
Top property & casualty insurance stocks in 2026 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 C and is the 81st 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
MCY	MERCURY GENERAL CORP	$98.10	N/A	N/A	6.47x	9.71x	0.89x	2.10x	N/A	$1.45B	26.75%	$2.59B	46.76	$4.67B	4.07
UVE	UNIVERSAL INSURANCE HOLDINGS INC	$38.75	N/A	N/A	5.50x	8.30x	0.67x	1.85x	N/A	$344.82M	32.18%	$584.74M	21.15	$583.44M	2.14
UFCS	UNITED FIRE GROUP INC	$48.06	N/A	N/A	9.39x	11.17x	0.86x	1.30x	N/A	$286.36M	23.31%	$950.61M	37.19	$1.22B	6.50
STC	STEWART INFORMATION SERVICES CORP	$66.79	$58.11	14.94%	14.65x	11.00x	0.67x	1.24x	0.68x	$152.10M	7.52%	$1.64B	54.07	$2.53B	9.94
PLGO	PELAGOS INSURANCE CAPITAL LTD	$23.16	$36.20	-36.02%	10.92x	6.93x	0.98x	0.93x	0.32x	-$409.50M	-16.65%	$2.40B	22.60	$1.83B	6.03
ASIC	ATEGRITY SPECIALTY INSURANCE CO HOLDINGS	$19.83	$19.75	0.40%	10.22x	9.51x	2.03x	1.51x	0.73x	$160.90M	16.88%	$631.02M	13.13	$905.01M	7.73
SKWD	SKYWARD SPECIALTY INSURANCE GROUP INC	$46.01	$43.75	5.17%	10.75x	9.17x	1.31x	1.52x	0.76x	$424.26M	20.74%	$1.22B	27.55	$2.03B	8.33
SLDE	SLIDE INSURANCE HOLDINGS INC	$18.80	N/A	N/A	4.15x	5.28x	1.84x	1.93x	N/A	$987.16M	42.57%	$1.11B	9.03	$494.99M	0.74
ALL	ALLSTATE CORP	$217.37	N/A	N/A	4.74x	7.29x	0.83x	1.77x	N/A	$11.53B	20.45%	$31.61B	121.85	$62.75B	3.82
NODK	NI HOLDINGS INC	$13.80	N/A	N/A	-69.00x	N/A	1.05x	1.13x	N/A	-$26.86M	-9.33%	$250.20M	11.99	$224.93M	-62.85
KINS	KINGSTONE COMPANIES INC	$14.76	$15.18	-2.77%	6.62x	6.29x	0.95x	1.87x	1.57x	$63.94M	29.97%	$114.50M	7.92	$206.56M	4.93
BOW	BOWHEAD SPECIALTY HOLDINGS INC	$28.25	$19.21	47.10%	15.87x	14.19x	1.59x	2.02x	1.00x	$343.70M	37.08%	$459.16M	14.00	$932.66M	11.43
THG	HANOVER INSURANCE GROUP INC	$194.64	N/A	N/A	9.62x	10.53x	1.02x	1.91x	N/A	$1.25B	18.22%	$3.57B	101.43	$7.41B	7.70
HCI	HCI GROUP INC	$156.40	N/A	N/A	6.55x	8.93x	2.15x	1.83x	N/A	$429.02M	21.49%	$1.09B	85.31	$1.05B	2.41
AII	AMERICAN INTEGRITY INSURANCE GROUP INC	$17.07	N/A	N/A	3.97x	5.99x	1.13x	1.00x	N/A	$70.72M	21.16%	$335.48M	17.14	$141.23M	1.38
PLMR	PALOMAR HOLDINGS INC	$110.78	$91.74	20.75%	14.95x	11.17x	3.00x	3.06x	0.73x	$362.75M	12.32%	$959.04M	36.09	$3.18B	11.96
CB	CHUBB LTD	$324.15	$198.42	63.37%	11.35x	11.62x	2.07x	1.70x	2.46x	$15.20B	12.09%	$73.79B	190.24	$144.72B	9.57
ROOT	ROOT INC	$55.37	N/A	N/A	15.73x	23.38x	0.55x	2.69x	N/A	$173.40M	20.07%	$325.90M	20.89	$467.70M	5.09
L	LOEWS CORP	$105.80	$53.27	98.63%	13.43x	N/A	1.18x	1.16x	3.30x	$1.93B	8.85%	$18.70B	90.72	$29.86B	9.37
WRB	BERKLEY W R CORP	$66.45	$30.46	118.19%	14.02x	14.04x	1.67x	2.54x	4.53x	$3.40B	13.72%	$9.74B	26.16	$25.30B	10.43
TRV	TRAVELERS COMPANIES INC	$299.76	N/A	N/A	8.81x	10.56x	1.32x	1.99x	N/A	$11.44B	17.74%	$31.99B	148.63	$72.40B	7.32
ACIC	AMERICAN COASTAL INSURANCE CORP	$10.85	N/A	N/A	5.02x	7.57x	1.57x	1.59x	N/A	$38.65M	7.34%	$331.70M	6.83	$439.40M	2.79
HRTG	HERITAGE INSURANCE HOLDINGS INC	$23.42	N/A	N/A	3.59x	5.42x	0.85x	1.37x	N/A	$201.67M	28.07%	$520.37M	16.96	$276.55M	0.96
HMN	HORACE MANN EDUCATORS CORP	$44.99	$36.16	24.41%	11.19x	9.91x	1.07x	1.24x	1.06x	$473.70M	25.74%	$1.47B	35.94	$2.39B	8.93
CINF	CINCINNATI FINANCIAL CORP	$166.42	N/A	N/A	9.42x	18.88x	1.99x	1.64x	N/A	$3.44B	13.36%	$15.71B	101.59	$25.42B	6.97
SIGI	SELECTIVE INSURANCE GROUP INC	$88.20	$60.29	46.30%	11.98x	11.11x	0.98x	1.47x	1.45x	$1.13B	21.47%	$3.59B	59.92	$6.17B	9.34
PGR	PROGRESSIVE CORP	$199.73	N/A	N/A	10.12x	12.10x	1.31x	3.64x	N/A	$16.50B	14.11%	$32.04B	54.71	$124.92B	8.25
AFG	AMERICAN FINANCIAL GROUP INC	$134.30	$82.25	63.28%	12.77x	11.40x	1.37x	2.39x	1.78x	$1.55B	13.83%	$4.68B	56.16	$11.63B	9.03
LMND	LEMONADE INC	$51.35	N/A	N/A	-27.61x	-29.32x	4.64x	7.62x	N/A	$19.50M	0.50%	$518.00M	6.79	$3.74B	-30.97
DGICA	DONEGAL GROUP INC	$17.08	N/A	N/A	9.38x	9.57x	0.65x	0.97x	N/A	$64.62M	10.21%	$649.09M	17.52	$632.31M	7.45
CNA	CNA FINANCIAL CORP	$43.73	N/A	N/A	9.76x	10.76x	0.79x	1.09x	N/A	$2.18B	18.36%	$10.86B	40.05	$14.28B	8.17
KNSL	KINSALE CAPITAL GROUP INC	$311.29	N/A	N/A	13.64x	14.74x	3.73x	3.65x	N/A	$1.01B	14.17%	$1.97B	85.63	$7.18B	10.58
SAFT	SAFETY INSURANCE GROUP INC	$71.03	$39.52	79.73%	16.75x	14.66x	0.81x	1.22x	1.45x	$170.27M	16.53%	$855.75M	59.03	$1.05B	12.07
PRA	PROASSURANCE CORP	$24.51	N/A	N/A	19.30x	21.84x	1.16x	0.94x	N/A	-$38.80M	-3.07%	$1.34B	26.00	$1.68B	13.90
HGTY	HAGERTY INC	$10.44	$6.16	69.35%	38.67x	166.51x	0.73x	16.39x	0.76x	$164.55M	15.60%	$218.68M	2.16	$3.45B	31.92
WTM	WHITE MOUNTAINS INSURANCE GROUP LTD	$2,136.76	N/A	N/A	5.29x	18.40x	1.44x	0.98x	N/A	$621.20M	11.74%	$5.37B	2,169.65	$5.99B	4.77
KMPR	KEMPER CORP	$29.69	$36.24	-18.07%	44.31x	13.50x	0.37x	0.66x	0.31x	$462.80M	26.48%	$2.65B	45.00	$2.60B	16.93
RLI	RLI CORP	$50.82	N/A	N/A	11.82x	18.10x	2.46x	2.60x	N/A	$548.00M	11.73%	$1.80B	19.54	$4.97B	9.76
MKL	MARKEL GROUP INC	$1,844.00	N/A	N/A	13.25x	15.68x	1.43x	1.27x	N/A	$2.19B	9.48%	$18.13B	1,448.97	$23.28B	8.28
PRHI	PRESURANCE HOLDINGS INC	$0.67	N/A	N/A	-0.48x	N/A	0.30x	0.70x	N/A	-$36.93M	-320.45%	$25.19M	1.46	$4.35M	-0.36
GBLI	GLOBAL INDEMNITY GROUP LLC	$27.86	$24.24	14.95%	12.01x	10.15x	0.89x	0.58x	0.81x	-$11.20M	-2.80%	$704.11M	49.06	$380.08M	7.65

Property & Casualty Insurance Stocks FAQ

What are the best property & casualty insurance stocks to buy right now in May 2026?

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. Mercury General (NYSE:MCY)

Mercury General (NYSE:MCY) is the #1 top property & casualty insurance stock out of 41 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 Mercury General (NYSE:MCY) is: Value: B, Growth: C, Momentum: C, Sentiment: B, Safety: C, Financials: C, and AI: B.

Mercury General (NYSE:MCY) has a Due Diligence Score of 35, which is -3 points lower than the property & casualty insurance industry average of 38. Although this number is below the industry average, our proven quant model rates MCY as a "A".

MCY passed 13 out of 38 due diligence checks and has average fundamentals. Mercury General has seen its stock return 58.28% over the past year, overperforming other property & casualty insurance stocks by 58 percentage points.

2. Universal Insurance Holdings (NYSE:UVE)

Universal Insurance Holdings (NYSE:UVE) is the #2 top property & casualty insurance stock out of 41 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: C, Sentiment: A, Safety: C, Financials: B, and AI: B.

Universal Insurance Holdings (NYSE:UVE) has a Due Diligence Score of 46, which is 8 points higher than the property & casualty insurance industry average of 38.

UVE passed 17 out of 38 due diligence checks and has strong fundamentals. Universal Insurance Holdings has seen its stock return 46.23% over the past year, overperforming other property & casualty insurance stocks by 46 percentage points.

Universal Insurance Holdings has an average 1 year price target of $40.00, an upside of 3.23% from Universal Insurance Holdings's current stock price of $38.75.

Universal Insurance Holdings stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 1 analyst covering Universal Insurance Holdings, 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. United Fire Group (NASDAQ:UFCS)

United Fire Group (NASDAQ:UFCS) is the #3 top property & casualty insurance stock out of 41 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 United Fire Group (NASDAQ:UFCS) is: Value: C, Growth: C, Momentum: C, Sentiment: A, Safety: C, Financials: C, and AI: B.

United Fire Group (NASDAQ:UFCS) has a Due Diligence Score of 31, which is -7 points lower than the property & casualty insurance industry average of 38. Although this number is below the industry average, our proven quant model rates UFCS as a "B".

UFCS passed 11 out of 38 due diligence checks and has average fundamentals. United Fire Group has seen its stock return 68.51% over the past year, overperforming other property & casualty insurance stocks by 68 percentage points.

United Fire Group has an average 1 year price target of $51.00, an upside of 6.12% from United Fire Group's current stock price of $48.06.

United Fire Group stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 2 analysts covering United Fire Group, 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 28 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 8.83%, which is 6 percentage points higher than the property & casualty insurance industry average of 2.9%. 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 86.2% indicates that its high dividend yield is sustainable for the long-term.

2. Progressive (NYSE:PGR)

Progressive (NYSE:PGR) has an annual dividend yield of 6.96%, which is 4 percentage points higher than the property & casualty insurance industry average of 2.9%. Progressive's dividend payout is not stable, having dropped more than 10% seven times in the last 10 years. Progressive's dividend has not shown consistent growth over the last 10 years.

Progressive's dividend payout ratio of 70.5% indicates that its high dividend yield is sustainable for the long-term.

3. American Coastal Insurance (NASDAQ:ACIC)

American Coastal Insurance (NASDAQ:ACIC) has an annual dividend yield of 6.91%, which is 4 percentage points higher than the property & casualty insurance industry average of 2.9%. American Coastal Insurance's dividend payout is stable, having never dropped by more than 10% in the last 10 years. American Coastal Insurance's dividend has shown consistent growth over the last 10 years.

American Coastal Insurance's dividend payout ratio of 34.7% 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 0.64% in the last day, and up 1.04% 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 24 points higher than the property & casualty insurance industry average of 33. It passed 4 out of 7 valuation due diligence checks.

Kingstone Companies's stock has dropped -14.19% in the past year. It has underperformed other stocks in the property & casualty insurance industry by -15 percentage points.

2. Pelagos Insurance Capital (NYSE:PLGO)

Pelagos Insurance Capital (NYSE:PLGO) 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.

Pelagos Insurance Capital has a valuation score of 57, which is 24 points higher than the property & casualty insurance industry average of 33. It passed 4 out of 7 valuation due diligence checks.

Pelagos Insurance Capital's stock has gained 34.89% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 34 percentage points.

3. Heritage Insurance Holdings (NYSE:HRTG)

Heritage Insurance Holdings (NYSE:HRTG) is the third 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 10 points higher than the property & casualty insurance industry average of 33. It passed 3 out of 7 valuation due diligence checks.

Heritage Insurance Holdings's stock has dropped -2.25% in the past year. It has underperformed other stocks in the property & casualty insurance industry by -3 percentage points.

Are property & casualty insurance stocks a good buy now?

35.71% of property & casualty insurance stocks rated by analysts are a hold right now. On average, analysts expect property & casualty insurance stocks to rise by 9.88% over the next year.

2.56% of property & casualty insurance stocks have a Zen Rating of A (Strong Buy), 17.95% of property & casualty insurance stocks are rated B (Buy), 61.54% are rated C (Hold), 17.95% 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 10.17x.

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.