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

Insurance - Property & Casualty is Zen Rated A and is the 22nd ranked industry out of 145 stock market industries

Ticker	Company	Market Cap	Dividend Yield	Payout Ratio	Last Dividend	Annual Dividend	Dividend Percentile	Dividend Dropped Count (L10Y)	Ex-dividend Date	Div. Payment Date
HCI	HCI GROUP INC	$2.48B	0.84%	9.30%	$0.4000	$1.60	19%	0
UVE	UNIVERSAL INSURANCE HOLDINGS INC	$946.09M	2.28%	17.60%	$0.2900	$0.77	50%	9
MCY	MERCURY GENERAL CORP	$5.21B	1.35%	16.10%	$0.3180	$1.27	30%	1
SKWD	SKYWARD SPECIALTY INSURANCE GROUP INC	$2.10B	N/A	0.00%	N/A	N/A	N/A	N/A
HRTG	HERITAGE INSURANCE HOLDINGS INC	$905.40M	N/A	0.00%	$0.0600	N/A	N/A	0
ALL	ALLSTATE CORP	$54.72B	1.91%	12.50%	$1.0000	$4.00	43%	0		2026-01-02
STC	STEWART INFORMATION SERVICES CORP	$1.97B	2.92%	55.50%	$0.5250	$2.05	62%	0
THG	HANOVER INSURANCE GROUP INC	$6.56B	1.98%	20.50%	$0.9500	$3.65	44%	2
SLDE	SLIDE INSURANCE HOLDINGS INC	$2.43B	N/A	N/A	N/A	N/A	N/A	N/A
KINS	KINGSTONE COMPANIES INC	$241.21M	0.59%	4.30%	$0.0500	$0.10	13%	2
HMN	HORACE MANN EDUCATORS CORP	$1.89B	3.02%	34.80%	$0.3500	$1.40	64%	0		2025-12-31
ACIC	AMERICAN COASTAL INSURANCE CORP	$612.49M	N/A	28.40%	$0.0600	N/A	N/A	0
UFCS	UNITED FIRE GROUP INC	$931.53M	1.75%	14.60%	$0.1600	$0.64	40%	2
HGTY	HAGERTY INC	$4.59B	N/A	0.00%	N/A	N/A	N/A	N/A
CNA	CNA FINANCIAL CORP	$12.97B	8.02%	104.10%	$0.4600	$3.84	92%	10
CINF	CINCINNATI FINANCIAL CORP	$25.74B	2.11%	25.20%	$0.8700	$3.48	47%	0		2026-01-15
SAFT	SAFETY INSURANCE GROUP INC	$1.17B	4.62%	61.50%	$0.9200	$3.64	81%	0
PLMR	PALOMAR HOLDINGS INC	$3.58B	N/A	0.00%	N/A	N/A	N/A	N/A
AII	AMERICAN INTEGRITY INSURANCE GROUP INC	$404.26M	N/A	N/A	N/A	N/A	N/A	N/A
L	LOEWS CORP	$21.95B	0.23%	3.60%	$0.0630	$0.25	3%	0
TRV	TRAVELERS COMPANIES INC	$65.22B	1.49%	16.70%	$1.1000	$4.35	34%	0		2025-12-31
SIGI	SELECTIVE INSURANCE GROUP INC	$5.11B	1.41%	23.20%	$0.4300	$1.19	32%	0
CB	CHUBB LTD	$123.63B	1.22%	15.60%	$0.9700	$3.82	28%	0		2026-01-06
ASIC	ATEGRITY SPECIALTY INSURANCE CO HOLDINGS	$1.03B	N/A	N/A	N/A	N/A	N/A	N/A
DGICA	DONEGAL GROUP INC	$734.66M	2.73%	29.30%	$0.1825	$0.55	58%	0	2026-02-03	2026-02-17
LMND	LEMONADE INC	$5.37B	N/A	0.00%	N/A	N/A	N/A	N/A
MKL	MARKEL GROUP INC	$27.41B	N/A	0.00%	N/A	N/A	N/A	N/A
RLI	RLI CORP	$5.93B	4.07%	67.90%	$2.1600	$2.63	77%	9
PGR	PROGRESSIVE CORP	$134.85B	2.13%	26.80%	$0.1000	$4.90	47%	7	2026-01-02	2026-01-08
WRB	BERKLEY W R CORP	$26.91B	2.61%	28.00%	$1.0900	$1.85	56%	16
AFG	AMERICAN FINANCIAL GROUP INC	$11.50B	4.70%	97.50%	$2.0000	$6.48	82%	21
WTM	WHITE MOUNTAINS INSURANCE GROUP LTD	$5.31B	0.05%	1.80%	$1.0000	$1.00	0%	0
BOW	BOWHEAD SPECIALTY HOLDINGS INC	$936.28M	N/A	0.00%	N/A	N/A	N/A	N/A
KNSL	KINSALE CAPITAL GROUP INC	$9.20B	0.17%	3.20%	$0.1700	$0.68	2%	0
KMPR	KEMPER CORP	$2.39B	N/A	8.00%	$0.3100	N/A	N/A	0
ROOT	ROOT INC	$1.14B	N/A	0.00%	N/A	N/A	N/A	N/A
PRA	PROASSURANCE CORP	$1.24B	N/A	0.00%	$0.0500	N/A	N/A	5
GBLI	GLOBAL INDEMNITY GROUP LLC	$407.52M	3.69%	72.20%	$0.3500	$1.05	73%	0
NODK	NI HOLDINGS INC	$275.29M	N/A	0.00%	N/A	N/A	N/A	N/A
PRHI	PRESURANCE HOLDINGS INC	$9.50M	N/A	0.00%	N/A	N/A	N/A	N/A

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: B, 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 66.35% over the past year, overperforming other property & casualty insurance stocks by 53 percentage points.

Hci Group has an average 1 year price target of $245.00, an upside of 27.92% from Hci Group's current stock price of $191.53.

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 A. Stocks with a rating of A have had an average return of +32.52% 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 37, which is 3 points higher than the property & casualty insurance industry average of 34.

UVE passed 13 out of 38 due diligence checks and has average fundamentals. Universal Insurance Holdings has seen its stock return 64.06% over the past year, overperforming other property & casualty insurance stocks by 51 percentage points.

Universal Insurance Holdings has an average 1 year price target of $40.00, an upside of 18.59% from Universal Insurance Holdings's current stock price of $33.73.

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. 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: A.

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 41.29% over the past year, overperforming other property & casualty insurance stocks by 28 percentage points.

Mercury General has an average 1 year price target of $100.00, an upside of 6.26% from Mercury General's current stock price of $94.11.

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 8.02%, which is 6 percentage points higher than the property & casualty insurance industry average of 2.33%. 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 4.7%, which is 2 percentage points higher than the property & casualty insurance industry average of 2.33%. 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 4.62%, which is 2 percentage points higher than the property & casualty insurance industry average of 2.33%. 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 down?

Property & casualty insurance stocks were down -0.23% in the last day, and down -0.63% 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. 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 43, which is 13 points higher than the property & casualty insurance industry average of 30. It passed 3 out of 7 valuation due diligence checks.

Kingstone Companies's stock has gained 9.51% in the past year. It has underperformed other stocks in the property & casualty insurance industry by -3 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 13 points higher than the property & casualty insurance industry average of 30. It passed 3 out of 7 valuation due diligence checks.

Heritage Insurance Holdings's stock has gained 146.13% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 133 percentage points.

3. Allstate (NYSE:ALL)

Allstate (NYSE:ALL) 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.

Allstate has a valuation score of 43, which is 13 points higher than the property & casualty insurance industry average of 30. It passed 3 out of 7 valuation due diligence checks.

Allstate's stock has gained 8.6% in the past year. It has underperformed other stocks in the property & casualty insurance industry by -4 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 10.35% over the next year.

5.41% of property & casualty insurance stocks have a Zen Rating of A (Strong Buy), 32.43% 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 12.48x.

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.