In The Car Partners with Earnix to Scale Point-of-Sale Auto Insurance Across US
By Lauren Towner · 20 October 2026
In brief: In The Car has partnered with Earnix to use its AI-driven pricing and rating solutions to expand point-of-sale auto insurance across the United States.
| Technology Partner | Earnix |
|---|---|
| Primary Solution | Price-It and Filing Accelerator |
| Current Footprint | 2 US States |
| Target Market | Automotive OEMs and Dealerships |

Quick Summary
In The Car (ITC) has selected Earnix AI technology to power its expansion of point-of-sale auto insurance. By integrating Earnix’s Price-It and Filing Accelerator solutions, ITC will scale its digitally integrated insurance programs across new US markets, offering real-time coverage during the vehicle-buying journey.
How Does In The Car Solve Point-of-Sale Insurance Challenges?
Here is how In The Car solves embedded insurance friction for automotive OEMs and dealerships. By utilizing Earnix AI technology, ITC streamlines the pricing and rating process, allowing for instant insurance quotes at the physical or digital point of sale. This integration ensures that customers can secure comprehensive auto coverage exactly when they are purchasing a vehicle, eliminating the need for external shopping. The automated filing accelerator further reduces the time-to-market for new insurance products across different regulatory jurisdictions.
- Real-time rating for immediate customer quotes.
- Seamless OEM integration for a unified buying journey.
- Regulatory filing automation to speed up state-by-state expansion.
What Results Has Earnix Technology Delivered for ITC?
The partnership focuses on accelerating geographic expansion as ITC moves beyond its current two-state footprint. By implementing Earnix Price-It, ITC can manage complex pricing and rating models with higher precision and speed. This technology allows the company to scale insurance operations efficiently while maintaining the high-intent user experience required at the dealership level. The ability to deepen customer relationships through integrated financial services provides a significant competitive advantage for ITC’s automotive partners.
FF NEWS TAKE:
This partnership moves the needle by proving that point-of-sale auto insurance is no longer a luxury but a standard requirement for the modern car-buying journey. By leveraging Earnix AI technology, In The Car is positioning itself to dominate the embedded insurance market. This move highlights a broader industry shift where automated pricing engines are essential for any firm looking to scale across the fragmented US regulatory landscape quickly and effectively.
Frequently asked questions
What is In The Car's plan for US expansion?
In The Car (ITC) is expanding its point-of-sale auto insurance model from its current two-state footprint into additional US markets. By using Earnix AI technology, ITC aims to scale its digitally integrated insurance programs for automotive OEMs and dealerships nationwide.
How does Earnix help with insurance pricing and rating?
Earnix provides the Price-It solution, which is an AI-driven pricing and rating engine. This technology allows insurance providers like In The Car to generate accurate, real-time quotes at the point of sale, improving the customer experience during the vehicle-buying journey.
What is the benefit of point-of-sale auto insurance for dealerships?
Point-of-sale auto insurance allows dealerships to offer coverage directly to customers when they buy a vehicle. This creates a more integrated experience, simplifies the buying process for the consumer, and helps dealerships and OEMs deepen their customer relationships.
About the companies
In The Car
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Companies in this story: Earnix, In The Car