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 29th 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	$27.46	N/A	N/A	11.21x	11.35x	0.55x	0.89x	N/A	$328.43M	47.24%	$781.53M	30.87	$613.09M	6.44
KMPR	KEMPER CORP	$56.25	$56.31	-0.11%	11.36x	9.33x	0.77x	1.29x	0.64x	$331.80M	9.23%	$2.79B	43.64	$3.53B	7.00
KINS	KINGSTONE COMPANIES INC	$17.24	$16.87	2.21%	10.78x	9.07x	1.28x	3.55x	0.71x	$55.61M	28.10%	$66.71M	5.81	$219.22M	7.49
DGICA	DONEGAL GROUP INC	$18.64	N/A	N/A	12.18x	15.53x	0.67x	1.22x	N/A	$67.44M	10.15%	$545.78M	15.31	$646.38M	9.62
HRTG	HERITAGE INSURANCE HOLDINGS INC	$19.35	$22.38	-13.54%	9.63x	7.96x	0.72x	2.85x	0.57x	$78.87M	13.32%	$290.80M	9.51	$506.64M	4.91
ACIC	AMERICAN COASTAL INSURANCE CORP	$11.18	N/A	N/A	7.03x	7.45x	1.80x	2.29x	N/A	$243.49M	45.54%	$235.66M	4.93	$492.37M	4.01
UVE	UNIVERSAL INSURANCE HOLDINGS INC	$23.38	$27.13	-13.82%	11.29x	8.82x	0.44x	1.76x	0.50x	$130.10M	19.53%	$373.25M	13.10	$496.05M	5.10
THG	HANOVER INSURANCE GROUP INC	$163.05	$118.73	37.33%	13.76x	11.49x	0.94x	2.06x	1.01x	$796.20M	13.60%	$2.84B	79.16	$6.21B	10.81
ROOT	ROOT INC	$134.95	N/A	N/A	68.85x	749.72x	1.71x	10.07x	N/A	$183.90M	9.15%	$203.70M	13.67	$1.65B	18.76
HCI	HCI GROUP INC	$144.65	$178.24	-18.84%	13.66x	9.65x	2.08x	3.44x	0.41x	$327.78M	21.05%	$453.33M	42.11	$1.25B	7.22
HGTY	HAGERTY INC	$8.56	$3.83	123.54%	85.60x	27.91x	0.62x	19.42x	0.89x	$155.68M	20.78%	$150.32M	1.72	$2.83B	65.10
STC	STEWART INFORMATION SERVICES CORP	$65.78	$73.39	-10.37%	24.82x	13.73x	0.75x	1.30x	0.38x	$95.14M	5.24%	$1.40B	50.75	$2.18B	12.03
NODK	NI HOLDINGS INC	$13.19	N/A	N/A	-45.48x	N/A	0.85x	1.12x	N/A	$37.80M	13.66%	$244.63M	11.67	$221.86M	-120.97
PLMR	PALOMAR HOLDINGS INC	$147.96	$63.38	133.44%	32.10x	23.90x	6.82x	5.41x	1.31x	$255.11M	6.76%	$729.03M	28.57	$3.87B	24.56
HMN	HORACE MANN EDUCATORS CORP	$40.30	$35.74	12.76%	16.18x	10.61x	1.04x	1.28x	0.61x	$452.10M	27.16%	$1.29B	31.17	$2.16B	11.37
TRV	TRAVELERS COMPANIES INC	$261.31	$187.72	39.20%	14.03x	14.85x	1.26x	2.10x	1.01x	$8.98B	15.14%	$28.19B	124.24	$66.51B	11.73
BOW	BOWHEAD SPECIALTY HOLDINGS INC	$40.01	$16.61	140.93%	30.54x	24.70x	2.75x	3.53x	1.42x	$291.18M	24.87%	$370.44M	12.66	$1.08B	19.31
ALL	ALLSTATE CORP	$193.90	$156.03	24.27%	11.26x	10.66x	0.80x	2.40x	1.04x	$8.74B	17.05%	$21.44B	81.13	$58.77B	8.66
PGR	PROGRESSIVE CORP	$265.08	$102.17	159.45%	18.34x	17.02x	2.06x	6.07x	3.65x	$14.91B	9.61%	$25.59B	43.71	$162.13B	14.38
WRB	BERKLEY W R CORP	$70.85	$27.89	154.04%	16.14x	16.56x	1.97x	3.20x	5.52x	$3.57B	13.30%	$8.40B	22.14	$27.81B	12.51
SIGI	SELECTIVE INSURANCE GROUP INC	$91.32	$76.75	18.99%	28.10x	12.32x	1.14x	1.78x	0.53x	$1.07B	19.25%	$3.12B	51.31	$6.00B	18.64
L	LOEWS CORP	$85.71	$59.67	43.64%	13.35x	N/A	1.08x	1.07x	1.16x	$2.39B	12.68%	$17.07B	77.48	$26.65B	9.46
MCY	MERCURY GENERAL CORP	$53.85	$61.85	-12.93%	6.37x	-107.70x	0.54x	1.53x	1.11x	$1.00B	33.65%	$1.95B	35.14	$2.85B	4.20
CB	CHUBB LTD	$290.42	$151.18	92.11%	12.66x	13.92x	2.09x	1.82x	3.50x	$16.18B	13.92%	$64.02B	159.89	$132.07B	10.87
SAFT	SAFETY INSURANCE GROUP INC	$77.08	N/A	N/A	16.09x	N/A	1.01x	1.38x	N/A	$124.32M	10.98%	$828.46M	56.39	$1.13B	11.24
SKWD	SKYWARD SPECIALTY INSURANCE GROUP INC	$54.81	$29.76	84.18%	18.45x	16.02x	1.91x	2.77x	1.35x	$300.89M	13.71%	$794.00M	19.82	$2.16B	13.05
KNSL	KINSALE CAPITAL GROUP INC	$487.73	$133.03	266.62%	27.22x	28.22x	7.11x	7.65x	4.49x	$952.36M	8.43%	$1.48B	64.08	$11.42B	21.53
CNA	CNA FINANCIAL CORP	$48.09	$35.82	34.27%	13.62x	10.73x	0.91x	1.24x	0.97x	$2.48B	18.96%	$10.51B	38.72	$15.53B	11.00
LMND	LEMONADE INC	$27.30	N/A	N/A	-9.58x	-9.68x	3.68x	3.35x	N/A	-$20.80M	-1.07%	$593.40M	8.36	$1.69B	-9.17
AFG	AMERICAN FINANCIAL GROUP INC	$129.55	$71.64	80.83%	12.26x	12.32x	1.31x	2.44x	2.94x	$1.05B	9.65%	$4.47B	53.23	$10.95B	8.55
MKL	MARKEL GROUP INC	$1,785.20	N/A	N/A	8.94x	18.84x	1.37x	1.35x	N/A	$2.34B	10.26%	$16.92B	1,324.66	$22.94B	5.62
CINF	CINCINNATI FINANCIAL CORP	$132.95	N/A	N/A	9.08x	26.98x	1.84x	1.49x	N/A	$2.63B	12.62%	$13.94B	89.03	$20.70B	6.81
RLI	RLI CORP	$78.20	N/A	N/A	20.69x	25.47x	4.04x	4.71x	N/A	$555.52M	7.76%	$1.52B	16.63	$7.24B	16.39
WTM	WHITE MOUNTAINS INSURANCE GROUP LTD	$1,744.60	N/A	N/A	19.43x	N/A	2.00x	1.00x	N/A	$586.80M	13.12%	$4.48B	1,749.36	$4.77B	15.02
GBLI	GLOBAL INDEMNITY GROUP LLC	$29.03	$18.47	57.14%	9.25x	9.07x	0.90x	0.60x	5.97x	$38.84M	9.81%	$689.15M	50.54	$406.45M	6.69
CNFR	CONIFER HOLDINGS INC	$0.66	$76.71	-99.14%	0.34x	N/A	0.12x	0.37x	0.00x	-$32.68M	-407.00%	$21.53M	1.76	-$7.69M	-0.27
PRA	PROASSURANCE CORP	$23.03	$6.09	278.27%	22.36x	24.98x	1.02x	0.98x	13.73x	-$19.73M	-1.68%	$1.20B	23.52	$1.57B	15.17

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 -4 points lower than the property & casualty insurance industry average of 37. 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 20.86% over the past year, overperforming other property & casualty insurance stocks by 7 percentage points.

United Fire Group has an average 1 year price target of $30.00, an upside of 9.25% from United Fire Group's current stock price of $27.46.

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: B.

Kemper (NYSE:KMPR) has a Due Diligence Score of 34, which is -3 points lower than the property & casualty insurance industry average of 37. Although this number is below the industry average, our proven quant model rates KMPR as a "A".

KMPR passed 13 out of 38 due diligence checks and has average fundamentals. Kemper has seen its stock lose -3.65% over the past year, underperforming other property & casualty insurance stocks by -17 percentage points.

Kemper has an average 1 year price target of $84.00, an upside of 49.33% from Kemper's current stock price of $56.25.

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. Kingstone Companies (NASDAQ:KINS)

Kingstone Companies (NASDAQ:KINS) 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 Kingstone Companies (NASDAQ:KINS) is: Value: C, Growth: C, Momentum: B, Sentiment: C, Safety: C, Financials: C, and AI: C.

Kingstone Companies (NASDAQ:KINS) has a Due Diligence Score of 42, which is 5 points higher than the property & casualty insurance industry average of 37.

KINS passed 18 out of 38 due diligence checks and has strong fundamentals. Kingstone Companies has seen its stock return 304.69% over the past year, overperforming other property & casualty insurance stocks by 291 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 7.86%, which is 5 percentage points higher than the property & casualty insurance industry average of 2.51%. 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 6.41%, which is 4 percentage points higher than the property & casualty insurance industry average of 2.51%. 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 4.67%, which is 2 percentage points higher than the property & casualty insurance industry average of 2.51%. 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 3.52% in the last day, and up 0.15% over the last week. Conifer Holdings was the among the top gainers in the insurance - property & casualty industry, gaining 8.77% yesterday.

Shares of financial companies are trading higher amid Treasury Secretary Scott Bessent's remarks about trade de-escalation with China, which may help restore investor confidence towards the sector.

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 43, which is 7 points higher than the property & casualty insurance industry average of 36. It passed 3 out of 7 valuation due diligence checks.

American Coastal Insurance's stock has gained 6.78% in the past year. It has underperformed other stocks in the property & casualty insurance industry by -7 percentage points.

2. Universal Insurance Holdings (NYSE:UVE)

Universal Insurance Holdings (NYSE:UVE) 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.

Universal Insurance Holdings has a valuation score of 71, which is 35 points higher than the property & casualty insurance industry average of 36. It passed 5 out of 7 valuation due diligence checks.

Universal Insurance Holdings's stock has gained 17.9% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 4 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 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 21 points higher than the property & casualty insurance industry average of 36. It passed 4 out of 7 valuation due diligence checks.

Heritage Insurance Holdings's stock has gained 103.68% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 90 percentage points.

Are property & casualty insurance stocks a good buy now?

53.57% of property & casualty insurance stocks rated by analysts are a buy right now. On average, analysts expect property & casualty insurance stocks to rise by 7.92% 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 15.48x.

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.