In The Car Adopts Earnix Tools for US Expansion

The insurance platform will use Price-It and Filing Accelerator as it moves into 18 new US markets.

Updated on Nov. 2, 2026 in Buying/Selling

In The Car Adopts Earnix Tools for US Expansion

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In The Car, which builds digitally integrated insurance offerings for vehicle manufacturers and dealerships, has adopted Earnix's Price-It and Filing Accelerator tools. The deployment supports its expansion from two US states into 18 new markets.

Why it matters

Expansion across that many states requires pricing and filing systems that can scale alongside the business. The Earnix tools are intended to shift manual pricing and filing work to business users rather than IT staff.

The expansion moves In The Car from two US states to 18 additional markets, a nearly tenfold increase in its target footprint. Earnix states it has more than 25 years of experience in AI, risk, pricing, rating and analytics, though the announcement gives no performance metrics for the deployment.

The players

In The Car

A digital insurance company that supplies white-label, insurance programmes to vehicle manufacturers and dealerships, building coverage into the vehicle purchasing journey.

Earnix

A company that describes itself as the first AI company designed specifically for insurance decision-making, offering pricing, rating and filing tools to insurers.

The details

Price-It lets commercial teams design, trial and oversee their own pricing, while Filing Accelerator automatically produces filing paperwork and helps ensure submitted rates match production rates. The deployment takes over work In The Car currently handles manually and is intended to shorten the time needed to develop and file rates and cut the lag between a pricing decision and its launch.

• November 2, 2026: In The Car announces its Earnix adoption for the 18-market expansion.

Roadmap

Insurers embedding coverage into vehicle sales are increasingly relying on specialized AI pricing and regulatory filing platforms like Earnix's to scale across states. In The Car's move from two states to 18 reflects that broader shift toward software-driven, multi-jurisdiction insurance operations.

Drivers buying through dealerships in the 18 target markets may see insurance offered at the point of sale as In The Car expands. The announcement does not specify pricing changes or product availability for consumers.

The takeaway

Insurance embedded in car buying is scaling quickly, and the pricing and filing systems behind it are becoming a central competitive tool. Buyers comparing dealership insurance offers should still review coverage terms and rates directly before committing.