Personal Insurance Marketplace Rate Guide — U.S. 2025 Personal Coverage Insurance Rate Insights Guide Specialty: Much like the automobile market, specialty coverage lines will see an increase to offset losses driven by labor costs, parts and vehicle Motorcycle, RVs, +5% to +10% replacement expenses. Though parts and labor still affect severity, they Watercraft are not expected to drive significant rate increases like the auto market in which complex technology plays a larger and more costly role. NOTE: Rate is typically defined as the amount of money necessary to cover losses and expenses while providing an insurance company with a profit for a unit of exposure. Exposure refers to a business’ or individual’s susceptibility to various daily risks. Carriers evaluate the level of risk an insured faces in calculating insurance premiums. 9