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 B and is the 31st 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	$26.71	N/A	N/A	10.90x	11.04x	0.54x	0.87x	N/A	$328.43M	48.56%	$781.53M	30.87	$594.05M	6.24
KMPR	KEMPER CORP	$55.12	$57.12	-3.51%	11.14x	9.14x	0.76x	1.26x	0.63x	$331.80M	9.42%	$2.79B	43.64	$3.46B	6.85
KINS	KINGSTONE COMPANIES INC	$16.12	$17.11	-5.78%	10.08x	8.48x	1.19x	3.32x	0.66x	$55.61M	30.06%	$66.71M	5.81	$203.84M	6.97
DGICA	DONEGAL GROUP INC	$17.85	N/A	N/A	11.67x	14.88x	0.64x	1.17x	N/A	$67.44M	10.60%	$545.78M	15.31	$618.23M	9.21
HRTG	HERITAGE INSURANCE HOLDINGS INC	$18.72	$22.70	-17.55%	9.31x	7.70x	0.70x	2.76x	0.55x	$78.87M	13.77%	$290.80M	9.51	$479.65M	4.65
ACIC	AMERICAN COASTAL INSURANCE CORP	$10.89	N/A	N/A	6.85x	7.26x	1.76x	2.23x	N/A	$243.49M	46.75%	$235.66M	4.93	$478.38M	3.90
UVE	UNIVERSAL INSURANCE HOLDINGS INC	$22.71	$27.52	-17.48%	10.97x	8.57x	0.43x	1.71x	0.48x	$130.10M	20.10%	$373.25M	13.10	$477.22M	4.91
THG	HANOVER INSURANCE GROUP INC	$157.49	$120.44	30.77%	13.29x	11.09x	0.91x	1.99x	0.97x	$796.20M	14.08%	$2.84B	79.16	$6.01B	10.46
ROOT	ROOT INC	$118.39	N/A	N/A	60.40x	657.72x	1.50x	8.83x	N/A	$183.90M	10.42%	$203.70M	13.67	$1.40B	15.90
HCI	HCI GROUP INC	$141.35	$180.80	-21.82%	13.35x	9.43x	2.03x	3.36x	0.40x	$327.78M	21.54%	$453.33M	42.11	$1.22B	7.01
STC	STEWART INFORMATION SERVICES CORP	$64.00	$74.44	-14.03%	24.15x	13.36x	0.73x	1.27x	0.37x	$95.14M	5.38%	$1.40B	50.75	$2.13B	11.76
HGTY	HAGERTY INC	$8.52	$3.88	119.34%	85.20x	27.78x	0.62x	19.33x	0.88x	$155.68M	20.88%	$150.32M	1.72	$2.82B	64.79
HMN	HORACE MANN EDUCATORS CORP	$38.84	$36.25	7.13%	15.60x	10.22x	1.01x	1.23x	0.59x	$452.10M	28.18%	$1.29B	31.17	$2.10B	11.06
PLMR	PALOMAR HOLDINGS INC	$144.16	$64.29	124.22%	31.27x	23.29x	6.64x	5.28x	1.27x	$255.11M	6.93%	$729.03M	28.57	$3.77B	23.92
NODK	NI HOLDINGS INC	$13.02	N/A	N/A	-44.90x	N/A	0.84x	1.10x	N/A	$37.80M	13.84%	$244.63M	11.67	$218.34M	-119.05
TRV	TRAVELERS COMPANIES INC	$249.59	$190.42	31.07%	13.40x	14.18x	1.20x	2.01x	0.97x	$8.98B	15.85%	$28.19B	124.24	$63.86B	11.26
ALL	ALLSTATE CORP	$186.95	$158.28	18.11%	10.86x	10.28x	0.77x	2.31x	1.00x	$8.74B	17.69%	$21.44B	81.13	$56.93B	8.39
BOW	BOWHEAD SPECIALTY HOLDINGS INC	$39.06	$16.85	131.87%	29.82x	24.11x	2.69x	3.44x	1.39x	$291.18M	25.48%	$370.44M	12.66	$1.05B	18.76
PGR	PROGRESSIVE CORP	$257.41	$103.64	148.37%	17.81x	16.53x	2.00x	5.90x	3.55x	$14.91B	9.89%	$25.59B	43.71	$157.63B	13.98
WRB	BERKLEY W R CORP	$67.33	$28.29	137.99%	15.34x	15.74x	1.87x	3.04x	5.25x	$3.57B	13.99%	$8.40B	22.14	$26.47B	11.91
SIGI	SELECTIVE INSURANCE GROUP INC	$88.28	$77.85	13.39%	27.16x	11.91x	1.10x	1.72x	0.51x	$1.07B	19.92%	$3.12B	51.31	$5.81B	18.07
L	LOEWS CORP	$83.34	$60.53	37.69%	12.98x	N/A	1.05x	1.04x	1.13x	$2.39B	13.04%	$17.07B	77.48	$26.14B	9.28
MCY	MERCURY GENERAL CORP	$52.36	$62.74	-16.55%	6.20x	-104.72x	0.53x	1.49x	1.08x	$1.00B	34.61%	$1.95B	35.14	$2.77B	4.08
SAFT	SAFETY INSURANCE GROUP INC	$75.44	N/A	N/A	15.75x	N/A	0.99x	1.35x	N/A	$124.32M	11.22%	$828.46M	56.39	$1.11B	11.00
SKWD	SKYWARD SPECIALTY INSURANCE GROUP INC	$52.71	$30.19	74.60%	17.75x	15.40x	1.84x	2.66x	1.30x	$300.89M	14.25%	$794.00M	19.82	$2.08B	12.54
KNSL	KINSALE CAPITAL GROUP INC	$470.99	$134.95	249.01%	26.28x	27.25x	6.87x	7.39x	4.34x	$952.36M	8.73%	$1.48B	64.08	$11.03B	20.79
CNA	CNA FINANCIAL CORP	$46.75	$36.33	28.67%	13.24x	10.44x	0.89x	1.20x	0.94x	$2.48B	19.51%	$10.51B	38.72	$15.16B	10.75
LMND	LEMONADE INC	$25.73	N/A	N/A	-9.03x	-9.12x	3.47x	3.16x	N/A	-$20.80M	-1.14%	$593.40M	8.36	$1.57B	-8.54
AFG	AMERICAN FINANCIAL GROUP INC	$125.46	$72.68	72.63%	11.87x	11.93x	1.26x	2.36x	2.85x	$1.05B	9.97%	$4.47B	53.23	$10.61B	8.28
CB	CHUBB LTD	$279.78	$153.35	82.44%	12.20x	13.41x	2.01x	1.75x	3.37x	$16.18B	14.44%	$64.02B	159.89	$127.81B	10.52
MKL	MARKEL GROUP INC	$1,718.60	N/A	N/A	8.61x	18.14x	1.32x	1.30x	N/A	$2.34B	10.66%	$16.92B	1,324.66	$22.08B	5.41
CINF	CINCINNATI FINANCIAL CORP	$127.72	N/A	N/A	8.72x	25.92x	1.76x	1.43x	N/A	$2.63B	13.14%	$13.94B	89.03	$19.88B	6.54
RLI	RLI CORP	$75.42	N/A	N/A	19.95x	24.57x	3.90x	4.55x	N/A	$555.52M	8.05%	$1.52B	16.63	$6.98B	15.81
WTM	WHITE MOUNTAINS INSURANCE GROUP LTD	$1,699.35	N/A	N/A	18.93x	N/A	1.94x	0.97x	N/A	$586.80M	13.47%	$4.48B	1,749.36	$4.65B	14.66
GBLI	GLOBAL INDEMNITY GROUP LLC	$29.60	$18.74	57.95%	9.43x	9.25x	0.91x	0.61x	6.09x	$38.84M	9.62%	$689.15M	50.54	$414.58M	6.83
CNFR	CONIFER HOLDINGS INC	$0.60	$77.82	-99.22%	0.31x	N/A	0.11x	0.34x	0.00x	-$32.68M	-442.72%	$21.53M	1.76	-$8.34M	-0.29
PRA	PROASSURANCE CORP	$22.88	$6.18	270.47%	22.21x	24.82x	1.02x	0.97x	13.64x	-$19.73M	-1.69%	$1.20B	23.52	$1.56B	15.10

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: B.

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 17.56% over the past year, overperforming other property & casualty insurance stocks by 8 percentage points.

United Fire Group has an average 1 year price target of $30.00, an upside of 12.32% from United Fire Group's current stock price of $26.71.

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 -5.58% 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 52.39% from Kemper's current stock price of $55.12.

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 A. Stocks with a rating of A have had an average return of +32.52% per year. Learn more.

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

Kingstone Companies (NASDAQ:KINS) has a Due Diligence Score of 45, which is 8 points higher than the property & casualty insurance industry average of 37.

KINS passed 19 out of 38 due diligence checks and has strong fundamentals. Kingstone Companies has seen its stock return 278.4% over the past year, overperforming other property & casualty insurance stocks by 269 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 8.09%, which is 6 percentage points higher than the property & casualty insurance industry average of 2.58%. 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 6.62%, which is 4 percentage points higher than the property & casualty insurance industry average of 2.58%. 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 4.77%, which is 2 percentage points higher than the property & casualty insurance industry average of 2.58%. 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 down?

Property & casualty insurance stocks were down -2.85% in the last day, and down -3.55% over the last week. Progressive was the among the top losers in the insurance - property & casualty industry, dropping -3.03% yesterday.

Shares of stocks in the broader financial sector are trading lower amid overall market weakness amid President Trump's criticism of Fed Chair Powell.

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 6 points higher than the property & casualty insurance industry average of 37. It passed 3 out of 7 valuation due diligence checks.

American Coastal Insurance's stock has gained 4.01% in the past year. It has underperformed other stocks in the property & casualty insurance industry by -6 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 34 points higher than the property & casualty insurance industry average of 37. It passed 5 out of 7 valuation due diligence checks.

Universal Insurance Holdings's stock has gained 14.52% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 5 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 20 points higher than the property & casualty insurance industry average of 37. It passed 4 out of 7 valuation due diligence checks.

Heritage Insurance Holdings's stock has gained 97.05% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 87 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 11.81% over the next year.

8.82% of property & casualty insurance stocks have a Zen Rating of A (Strong Buy), 20.59% 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 14.95x.

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.