Dealer-Sold Auto Insurance Expands to 18 States
Car buyers at participating dealerships may see built-in insurance offers as In The Car scales its Earnix-powered rating and filing.
Updated on Nov. 2, 2026 in Buying/Selling
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In The Car, a digitally integrated insurance provider that builds coverage into the vehicle purchasing journey for car manufacturers and dealerships, has adopted Earnix's Price-It and Filing Accelerator tools as it expands into 18 new US markets from its current two states.
Why it matters
As insurance is built into car purchases through dealerships and manufacturers, the speed at which new coverage options reach buyers depends on how quickly rates can be priced and filed. Shifting that manual work to Earnix's software is intended to shorten the time between a pricing decision and a launch.
In The Car currently operates in two US states and plans to expand into 18 new US markets. The Earnix tools are described as taking over pricing and filing work that the company currently handles manually.
The players
In The Car
A digital-first insurance provider that supplies white-label coverage programmes to car manufacturers and dealerships, currently operating in two US states.
Earnix
An AI company focused on insurance decision-making, with more than 25 years of work in pricing, rating, risk and analytics.
The details
Price-It lets commercial teams design, trial and oversee their own pricing without relying on IT staff for each change. Filing Accelerator automatically produces the filing paperwork and helps ensure that submitted rates match the rates used in production. Together, the tools are intended to shorten the time needed to develop and file rates. Earnix describes itself as the first AI company designed specifically for insurance decision-making.
Timeline
November 2, 2026: In The Car announces its adoption of Earnix tools for the 18-market expansion.
The Home Front
Insurance embedded at the point of vehicle sale is part of a broader shift in how auto coverage is sold, moving it from a separate purchase into the dealership and manufacturer experience. Automated pricing and filing tools such as Earnix's Price-It and Filing Accelerator are the software layer that makes that model scale across states.
If you are shopping for a vehicle at a dealership, ask whether insurance is offered as part of the purchase and compare it against standalone quotes before signing. Keep your current policy and any proof of coverage on file so you can compare terms across providers.
The takeaway
Insurance sold alongside a car purchase is becoming a standard part of the buying process, so the coverage terms matter as much as the vehicle price. Before you agree to any bundled policy, confirm the coverage limits, deductibles and cancellation terms in writing, and consult a licensed insurance agent for guidance on your specific situation.
Further reading
For more on the car-purchase side of this shift, explore our Buying/Selling coverage.
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