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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

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

Ticker	Company	Market Cap	Shares	Institutional %	Insider %	Net Insider (L12M)	Net Insider (L3M)
UFCS	UNITED FIRE GROUP INC	$711.95M	25,381,478	21.43%	78.57%	Net Buying	Net Buying
KMPR	KEMPER CORP	$3.81B	63,900,557	63.82%	36.18%	Net Selling	Net Selling
UVE	UNIVERSAL INSURANCE HOLDINGS INC	$693.40M	28,095,824	68.89%	28.83%	Net Selling	Net Selling
KINS	KINGSTONE COMPANIES INC	$276.26M	13,730,802	27.27%	32.76%	Net Selling
DGICA	DONEGAL GROUP INC	$692.11M	35,638,834	31.45%	16.56%	Net Buying	Net Buying
HRTG	HERITAGE INSURANCE HOLDINGS INC	$819.52M	42,839,713	39.33%	15.26%	Net Buying	Net Buying
ACIC	AMERICAN COASTAL INSURANCE CORP	$559.20M	48,248,630	26.48%	70.14%	Net Selling	Net Selling
THG	HANOVER INSURANCE GROUP INC	$5.96B	35,926,567	88.59%	5.16%	Net Selling	Net Selling
ROOT	ROOT INC	$2.30B	15,200,000	19.94%	80.06%	Net Selling	Net Selling
HCI	HCI GROUP INC	$1.57B	10,766,734	86.60%	11.76%	Net Selling	Net Selling
HGTY	HAGERTY INC	$3.00B	341,074,569	22.04%	22.76%	Net Selling	Net Selling
NODK	NI HOLDINGS INC	$260.59M	20,681,546	24.68%	64.55%	Net Selling	Net Selling
BOW	BOWHEAD SPECIALTY HOLDINGS INC	$1.33B	32,662,683	29.84%	70.16%	Net Selling	Net Buying
HMN	HORACE MANN EDUCATORS CORP	$1.73B	40,871,981	95.65%	4.35%	Net Selling	Net Selling
PLMR	PALOMAR HOLDINGS INC	$3.95B	26,677,622	87.33%	12.67%	Net Selling	Net Selling
SIGI	SELECTIVE INSURANCE GROUP INC	$5.37B	60,774,444	84.48%	4.37%	Net Selling	Net Selling
TRV	TRAVELERS COMPANIES INC	$59.83B	226,568,786	83.22%	1.70%	Net Selling	Net Selling
ALL	ALLSTATE CORP	$52.68B	265,026,048	78.16%	1.61%	Net Selling	Net Selling
PGR	PROGRESSIVE CORP	$161.98B	586,207,679	85.61%	8.83%	Net Selling	Net Selling
STC	STEWART INFORMATION SERVICES CORP	$1.81B	27,810,679	92.49%	7.51%	Net Selling	Net Selling
L	LOEWS CORP	$18.44B	212,861,300	45.85%	54.15%	Net Selling	Net Selling
MCY	MERCURY GENERAL CORP	$3.11B	55,388,627	43.38%	35.75%	Net Selling
CB	CHUBB LTD	$114.19B	400,725,707	90.87%	1.17%	Net Selling	Net Selling
WRB	BERKLEY W R CORP	$27.03B	379,226,056	61.44%	38.56%	Net Selling
SAFT	SAFETY INSURANCE GROUP INC	$1.15B	14,838,007	64.23%	35.77%	Net Selling	Net Selling
KNSL	KINSALE CAPITAL GROUP INC	$10.13B	23,311,435	85.19%	11.92%	Net Selling	Net Selling
SKWD	SKYWARD SPECIALTY INSURANCE GROUP INC	$2.15B	40,127,908	87.80%	12.20%	Net Selling	Net Selling
CNA	CNA FINANCIAL CORP	$13.10B	270,861,659	51.56%	48.44%	Net Selling	Net Selling
CINF	CINCINNATI FINANCIAL CORP	$21.86B	156,303,610	67.49%	14.64%	Net Buying	Net Selling
LMND	LEMONADE INC	$2.15B	72,820,080	38.94%	61.06%	Net Selling	Net Selling
AFG	AMERICAN FINANCIAL GROUP INC	$10.75B	83,982,106	43.13%	56.87%	Net Buying	Net Buying
MKL	MARKEL GROUP INC	$23.24B	12,770,003	77.90%	3.21%	Net Selling	Net Selling
RLI	RLI CORP	$6.80B	91,773,034	40.42%	6.08%	Net Buying	Net Selling
WTM	WHITE MOUNTAINS INSURANCE GROUP LTD	$4.56B	2,563,051	61.05%	38.95%	Net Selling
CNFR	CONIFER HOLDINGS INC	$8.07M	12,222,881	1.84%	98.16%	Net Buying	Net Buying
GBLI	GLOBAL INDEMNITY GROUP LLC	$412.92M	14,258,199	34.02%	65.98%	Net Buying	Net Buying
PRA	PROASSURANCE CORP	$1.19B	51,156,821	83.42%	12.89%	Net Buying	Net Buying

Property & Casualty Insurance Stocks FAQ

What are the best property & casualty insurance stocks to buy right now in Apr 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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