Sectors & IndustriesFinancial 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 +28.50% per year, and are the best property & casualty insurance stocks to buy now. Learn More.

Industry: Insurance - Property & Ca...
A
Property & Casualty Insurance is Zen Rated A and is the 17th ranked industry out of 145 stock market industries
Learn how the Zen Ratings work
Ticker
Company
Zen Rating
Financials
Market Cap
ROE
ROA
ROCE
ROIC
D/E
Current Ratio
Gross Margin
Profit Margin
Operating Margin
KINS
KINGSTONE COMPANIES INC
$279.53M29.80%7.70%N/A10.00%2.70N/A54.30%14.80%18.74%
UVE
UNIVERSAL INSURANCE HOLDINGS INC
$1.33B38.80%7.30%N/A11.70%4.19N/A41.80%13.50%18.37%
MCY
MERCURY GENERAL CORP
$5.82B37.20%9.50%N/A13.10%2.72N/A41.50%14.80%18.78%
ALL
ALLSTATE CORP
$63.19B42.70%10.80%N/A13.80%2.70N/A49.10%18.80%24.78%
HRTG
HERITAGE INSURANCE HOLDINGS INC
$1.10B42.40%9.50%N/A16.80%3.32N/A66.00%25.20%34.46%
AII
AMERICAN INTEGRITY INSURANCE GROUP INC
$567.23M25.90%6.50%N/A10.80%3.36N/A64.10%26.20%36.21%
SLDE
SLIDE INSURANCE HOLDINGS INC
$3.19B50.70%18.40%N/A52.30%2.01N/A79.80%40.00%53.05%
UFCS
UNITED FIRE GROUP INC
$1.46B15.00%3.60%N/A4.90%3.11N/A45.60%9.60%12.87%
SKWD
SKYWARD SPECIALTY INSURANCE GROUP INC
$2.74B16.80%3.30%N/A4.80%4.35N/A43.60%10.80%15.09%
AFG
AMERICAN FINANCIAL GROUP INC
$12.38B20.00%2.90%N/A3.90%5.85N/A22.30%11.50%15.60%
HMN
HORACE MANN EDUCATORS CORP
$1.88B12.00%1.20%N/A1.60%9.38N/A46.90%10.20%14.57%
DGICA
DONEGAL GROUP INC
$696.73M11.00%2.90%N/A3.70%2.73N/A42.00%7.40%9.25%
SIGI
SELECTIVE INSURANCE GROUP INC
$5.33B13.60%3.20%N/A4.20%3.26N/A41.20%8.90%12.46%
ASIC
ATEGRITY SPECIALTY INSURANCE CO HOLDINGS
$1.32B17.10%7.00%N/A9.20%1.50N/A52.90%20.70%26.40%
THG
HANOVER INSURANCE GROUP INC
$8.08B21.20%4.50%N/A6.00%3.59N/A25.20%11.20%15.01%
HCI
HCI GROUP INC
$2.54B30.80%12.20%N/A27.40%1.36N/A73.20%32.60%45.32%
RLI
RLI CORP
$5.76B24.40%7.00%N/A8.70%2.66N/A62.20%22.20%28.28%
L
LOEWS CORP
$22.76B9.00%2.00%N/A2.80%3.52N/A36.30%9.00%14.14%
WTM
WHITE MOUNTAINS INSURANCE GROUP LTD
$5.28B21.40%8.70%N/A10.70%1.40N/A73.40%28.10%33.36%
PLMR
PALOMAR HOLDINGS INC
$3.70B21.60%6.00%N/A8.20%3.04N/A69.80%18.60%24.87%
NODK
NI HOLDINGS INC
$300.97M3.20%1.50%N/A2.40%1.18N/A37.40%2.90%4.18%
ROOT
ROOT INC
$813.86M19.30%3.50%N/A6.60%3.75N/A39.30%3.70%5.19%
STC
STEWART INFORMATION SERVICES CORP
$1.60B8.40%4.30%N/A9.60%0.97N/A33.00%4.20%6.30%
ACIC
AMERICAN COASTAL INSURANCE CORP
$529.89M30.40%8.90%N/A15.70%2.65N/A85.40%30.30%43.32%
TRV
TRAVELERS COMPANIES INC
$81.10B26.20%5.80%N/A7.40%3.90N/A49.70%17.00%22.12%
CNA
CNA FINANCIAL CORP
$13.10B11.00%1.80%N/A2.40%5.25N/A34.00%8.20%11.23%
HGTY
HAGERTY INC
$5.31B8.20%0.80%N/A3.10%6.56N/A53.70%1.20%3.09%
CINF
CINCINNATI FINANCIAL CORP
$26.41B20.90%8.00%N/A10.30%1.59N/A52.30%23.80%30.16%
MKL
MARKEL GROUP INC
$23.34B12.40%3.30%N/A4.80%2.73N/A34.00%14.70%20.13%
CB
CHUBB LTD
$138.02B15.20%4.10%N/A5.50%2.66N/A47.80%18.10%23.88%
WRB
BERKLEY W R CORP
$27.16B19.70%4.30%N/A5.70%3.64N/A47.60%12.90%17.00%
PGR
PROGRESSIVE CORP
$129.02B35.40%9.50%N/A11.60%2.64N/A37.20%12.80%16.56%
KNSL
KINSALE CAPITAL GROUP INC
$8.47B29.10%9.30%N/A11.80%2.16N/A54.60%28.50%36.33%
OIG
ORION180 INSURANCE GROUP INC
N/AN/AN/AN/AN/A-8.29N/AN/AN/AN/A
KMPR
KEMPER CORP
$1.75B-19.30%-4.00%N/A-4.00%4.45N/A-0.60%-10.80%-10.42%
LMND
LEMONADE INC
$3.51B-26.80%-7.10%N/A-7.80%3.03N/A41.70%-14.20%-13.67%
GBLI
GLOBAL INDEMNITY GROUP LLC
$347.71M4.80%2.00%N/A2.80%1.42N/A52.80%7.40%9.91%
BOW
BOWHEAD SPECIALTY HOLDINGS INC
$1.12B13.70%2.60%N/A3.70%4.66N/A40.80%10.10%13.99%
PRHI
PRESURANCE HOLDINGS INC
$26.00M-72.70%-6.40%N/A-4.70%7.02N/A13.40%-49.60%-35.38%
SAFT
SAFETY INSURANCE GROUP INC
$1.53B7.80%2.80%N/A3.70%1.86N/A33.50%5.30%6.99%

Property & Casualty Insurance Stocks FAQ

What are the best property & casualty insurance stocks to buy right now in Oct 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. Kingstone Companies (NASDAQ:KINS)


Kingstone Companies (NASDAQ:KINS) 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 +28.5% per year. Learn more.

The Component Grade breakdown for Kingstone Companies (NASDAQ:KINS) is: Value: A, Growth: C, Momentum: B, Sentiment: A, Safety: C, Financials: C, and AI: A.

Kingstone Companies (NASDAQ:KINS) has a Due Diligence Score of 47, which is 11 points higher than the property & casualty insurance industry average of 36.

KINS passed 19 out of 38 due diligence checks and has strong fundamentals. Kingstone Companies has seen its stock return 29.73% over the past year, overperforming other property & casualty insurance stocks by 20 percentage points.

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 +28.5% per year. Learn more.

The Component Grade breakdown for Universal Insurance Holdings (NYSE:UVE) is: Value: B, Growth: C, Momentum: B, Sentiment: C, Safety: C, Financials: B, and AI: B.

Universal Insurance Holdings (NYSE:UVE) has a Due Diligence Score of 42, which is 6 points higher than the property & casualty insurance industry average of 36.

UVE passed 16 out of 38 due diligence checks and has strong fundamentals. Universal Insurance Holdings has seen its stock return 67.68% over the past year, overperforming other property & casualty insurance stocks by 58 percentage points.

Universal Insurance Holdings has an average 1 year price target of $45.00, a downside of -6.03% from Universal Insurance Holdings's current stock price of $47.89.

Universal Insurance Holdings stock has a consensus Hold recommendation according to Wall Street analysts. Of the 1 analyst covering Universal Insurance Holdings, 0% have issued a Strong Buy rating, 0% have issued a Buy, 100% 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 A. Stocks with a rating of A have had an average return of +28.5% per year. Learn more.

The Component Grade breakdown for Mercury General (NYSE:MCY) is: Value: B, Growth: C, Momentum: C, Sentiment: A, Safety: C, Financials: C, and AI: A.

Mercury General (NYSE:MCY) has a Due Diligence Score of 42, which is 6 points higher than the property & casualty insurance industry average of 36.

MCY passed 16 out of 38 due diligence checks and has strong fundamentals. Mercury General has seen its stock return 32.1% over the past year, overperforming other property & casualty insurance stocks by 22 percentage points.

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

Out of 29 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 8.06%, which is 5 percentage points higher than the property & casualty insurance industry average of 2.65%. 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 shown consistent growth over the last 10 years.

Cna Financial's dividend payout ratio of 85.1% indicates that its high dividend yield is sustainable for the long-term.

2. American Coastal Insurance (NASDAQ:ACIC)


American Coastal Insurance (NASDAQ:ACIC) has an annual dividend yield of 6.69%, which is 4 percentage points higher than the property & casualty insurance industry average of 2.65%. 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 36.2% indicates that its high dividend yield is sustainable for the long-term.

3. Progressive (NYSE:PGR)


Progressive (NYSE:PGR) has an annual dividend yield of 6.26%, which is 4 percentage points higher than the property & casualty insurance industry average of 2.65%. 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 69.5% 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 1.6% in the last day, and up 4.85% 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 71, which is 38 points higher than the property & casualty insurance industry average of 33. It passed 5 out of 7 valuation due diligence checks.

Kingstone Companies's stock has gained 29.73% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 20 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 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 gained 59.33% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 49 percentage points.

3. American Integrity Insurance Group (NYSE:AII)


American Integrity Insurance Group (NYSE:AII) 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.

American Integrity Insurance Group 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.

American Integrity Insurance Group's stock has gained 27.59% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 17 percentage points.

Are property & casualty insurance stocks a good buy now?

41.38% of property & casualty insurance stocks rated by analysts are a hold right now. On average, analysts expect property & casualty insurance stocks to rise by 3.85% over the next year.

11.11% of property & casualty insurance stocks have a Zen Rating of A (Strong Buy), 19.44% of property & casualty insurance stocks are rated B (Buy), 69.44% are rated C (Hold), 0% 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 11.31x.
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.