In The Car Selects Earnix to Accelerate Expansion of Point-of-Sale Auto Insurance

Automotive insurance innovator turns to Earnix to scale from two states into 18 additional markets while reducing pricing and filing complexity

BOSTON--(BUSINESS WIRE)--Earnix, the AI company purpose-built for insurance, today announced that In The Car (ITC), a provider of digitally integrated insurance programs for automotive OEMs and dealerships, has selected Earnix’s Price-It pricing and rating solution and Filing Accelerator to accelerate its expansion into new markets across the United States.

ITC currently operates in two states and is preparing to expand into additional US markets as it scales insurance offered directly within the vehicle-buying journey. Its model enables OEMs and dealerships to offer customers coverage at the point of sale, creating a more integrated experience while opening new opportunities for automotive partners to deepen customer relationships.

As ITC’s expansion accelerated, it needed pricing and filing capabilities that could scale with it. Earnix will replace their manual processes with business-managed pricing and filing capabilities designed to reduce reliance on IT, accelerate rate development and filing, and give ITC greater flexibility as it enters new markets.

Using Price-It, ITC’s business teams will be able to build, test and manage pricing directly, respond faster to changing market requirements, and incorporate additional market and competitive intelligence into future pricing decisions.

Earnix Filing Accelerator will further compress the path from pricing decision to market by automating filing documentation and helping keep filed and production rates aligned.

“The opportunity is to make insurance a seamless part of the vehicle-buying experience and scale that proposition across more dealerships and markets,” said Matt Edmonds, CEO of In The Car. “As we move into more markets, we need pricing and filing capabilities that can keep pace with that ambition without adding unnecessary complexity. Earnix gives our team the control and flexibility to manage that growth directly and move faster.”

“In The Car is rethinking how auto insurance reaches customers,” said Robin Gilthorpe, CEO of Earnix. “As that model expands, pricing and filing have to become an enabler of growth — helping ITC enter new markets faster, adapt quickly and scale without adding unnecessary operational complexity. Our role is to give them the speed, control and flexibility to do exactly that.”

About In The Car, LLC

In The Car, LLC, is a provider of white-labeled, digital-first insurance programs designed for automotive OEMs and dealerships. Its technology integrates insurance directly into the vehicle-buying experience, enabling customers to access coverage at the point of sale.

More information about the company and its products and services is available at www.inthecar.com.

About Earnix

Earnix is the first AI company purpose-built for insurance decisioning, providing the industry with the intelligence, governance, and decisioning agility to drive profitable growth, improve resilience, and operate with speed and precision in a rapidly changing risk environment. A trusted provider of production-grade AI and decisioning technology for insurers, Earnix builds on more than 25 years of experience in artificial intelligence, risk, pricing, rating, analytics, and decisioning. Earnix brings vertical AI into the workflows and decisions that shape insurance performance across pricing, underwriting, claims, customer engagement, retention, and other high-value insurance moments. Earnix’s AIOS enables insurers to orchestrate intelligence across the insurance decision lifecycle and drive governed, real-time decisions that deliver measurable business outcomes.

For more information, visit www.earnix.com.