Sectors & IndustriesFinancial 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...
B
Insurance - Property & Casualty is Zen Rated B and is the 31st 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
UFCS
UNITED FIRE GROUP INC
$677.94M8.20%1.80%N/A2.50%3.46N/A40.60%4.90%6.73%
KMPR
KEMPER CORP
$3.52B11.70%2.50%N/A3.60%3.53N/A9.60%6.90%9.72%
KINS
KINGSTONE COMPANIES INC
$221.34M36.20%5.40%N/A7.90%4.62N/A59.60%11.80%17.28%
DGICA
DONEGAL GROUP INC
$636.15M10.00%2.20%N/A2.70%3.28N/A38.50%5.10%6.39%
HRTG
HERITAGE INSURANCE HOLDINGS INC
$801.96M23.20%2.60%N/A4.60%7.49N/A45.30%7.50%11.46%
ACIC
AMERICAN COASTAL INSURANCE CORP
$525.43M32.80%6.40%N/A11.10%4.16N/A76.60%25.50%38.11%
UVE
UNIVERSAL INSURANCE HOLDINGS INC
$638.06M15.40%2.30%N/A3.90%6.61N/A28.50%3.90%5.99%
THG
HANOVER INSURANCE GROUP INC
$5.66B15.80%2.80%N/A3.80%4.38N/A20.20%6.80%9.18%
ROOT
ROOT INC
$1.80B16.60%2.00%N/A6.50%5.79N/A37.70%2.50%6.21%
HCI
HCI GROUP INC
$1.52B25.10%5.50%N/A10.10%3.89N/A50.00%14.70%22.55%
STC
STEWART INFORMATION SERVICES CORP
$1.78B5.30%2.70%N/A6.50%0.94N/A30.20%3.00%4.93%
HGTY
HAGERTY INC
$2.91B7.90%0.60%-0.43%-1.10%7.330.9431.50%0.80%-0.28%
HMN
HORACE MANN EDUCATORS CORP
$1.59B8.20%0.70%N/A1.10%10.25N/A39.80%6.40%10.23%
PLMR
PALOMAR HOLDINGS INC
$3.85B19.10%5.60%N/A7.50%2.10N/A75.70%21.20%27.50%
NODK
NI HOLDINGS INC
$269.27M-2.50%-1.00%N/A-0.50%1.15N/A36.20%-1.90%-0.77%
TRV
TRAVELERS COMPANIES INC
$56.55B15.70%3.20%N/A4.20%3.82N/A39.60%9.10%12.06%
ALL
ALLSTATE CORP
$49.55B22.90%4.10%N/A5.50%4.21N/A36.10%7.10%9.72%
BOW
BOWHEAD SPECIALTY HOLDINGS INC
$1.28B12.00%2.70%N/A4.10%3.47N/A41.70%9.00%12.04%
PGR
PROGRESSIVE CORP
$150.90B34.60%8.40%N/A10.20%3.13N/A34.90%11.20%14.58%
WRB
BERKLEY W R CORP
$25.53B21.70%4.50%N/A5.90%3.83N/A47.70%12.90%17.55%
SIGI
SELECTIVE INSURANCE GROUP INC
$5.37B6.50%1.50%N/A2.10%3.33N/A34.90%4.10%5.90%
L
LOEWS CORP
$17.74B8.40%1.70%N/A2.50%3.75N/A36.70%8.10%12.76%
MCY
MERCURY GENERAL CORP
$2.90B26.50%5.90%N/A7.80%3.27N/A32.70%8.50%11.06%
SAFT
SAFETY INSURANCE GROUP INC
$1.12B8.60%3.20%N/A4.20%1.74N/A36.00%6.30%8.07%
SKWD
SKYWARD SPECIALTY INSURANCE GROUP INC
$2.12B15.80%3.40%N/A4.80%3.70N/A41.80%10.30%14.10%
KNSL
KINSALE CAPITAL GROUP INC
$10.96B31.00%9.20%N/A11.50%2.29N/A51.30%26.10%33.06%
CNA
CNA FINANCIAL CORP
$12.66B9.40%1.50%N/A2.00%5.33N/A34.90%6.70%9.42%
LMND
LEMONADE INC
$1.87B-32.40%-11.50%N/A-14.20%2.12N/A32.80%-38.40%-38.73%
AFG
AMERICAN FINANCIAL GROUP INC
$10.54B19.90%2.90%N/A3.90%5.91N/A22.30%10.70%14.42%
CB
CHUBB LTD
$112.03B14.80%3.80%N/A5.10%2.78N/A44.90%16.60%21.22%
MKL
MARKEL GROUP INC
$21.95B16.60%4.50%N/A6.70%2.63N/A41.30%16.30%22.51%
CINF
CINCINNATI FINANCIAL CORP
$19.99B17.20%6.50%N/A8.20%1.62N/A49.40%20.20%25.68%
RLI
RLI CORP
$6.92B21.70%6.20%N/A7.80%2.70N/A58.20%19.50%24.51%
WTM
WHITE MOUNTAINS INSURANCE GROUP LTD
$4.36B5.10%2.30%N/A3.40%1.07N/A60.10%10.30%14.46%
GBLI
GLOBAL INDEMNITY GROUP LLC
$422.04M6.30%2.50%N/A3.20%1.51N/A51.70%9.70%12.46%
CNFR
CONIFER HOLDINGS INC
$7.38M130.80%8.00%N/A9.40%12.09N/A-9.00%35.00%40.72%
PRA
PROASSURANCE CORP
$1.17B4.50%0.90%N/A1.40%3.64N/A35.70%4.60%7.43%

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.
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