In The Car

    In The Car and Spinnaker Insurance, a Hippo Holdings Company, Partner to Deliver Embedded Auto Insurance Nationwide

    Partnership will allow ITC's "Coverage-Built-in" platform to expand across all 50 states, enabling dealerships to offer instant auto insurance at point of sale

    Published: July 30, 2026

    Auto insurance protection at the point of sale

    ATLANTA, GA — In The Car (ITC), the embedded auto insurance platform transforming the dealership experience, today announced a national carrier partnership with Spinnaker Insurance Company, a subsidiary of Hippo Holdings Inc. (NYSE: HIPO). The agreement will enable ITC to offer bindable personal auto insurance coverage across all 50 states over the next three years, accelerating the company's mission to make auto insurance a seamless part of every vehicle purchase.

    ITC's proprietary platform integrates directly into dealer management systems, delivering sub-45-second bindable quotes to consumers at the dealership, without disrupting the vehicle purchase process. With Spinnaker's admitted paper and national footprint, ITC can now extend this capability to dealer partners and OEM relationships in every U.S. market.

    "Spinnaker gives us the national capacity to match the scale of our OEM and dealer group partnerships. Our dealers have been asking for a single insurance solution that works everywhere their customers are," said Matt Edmonds, CEO of ITC. "Now we can deliver it — coverage built in, nationwide."

    Spinnaker, which has built its reputation on partnering with innovative MGAs and program administrators, cited ITC's unique distribution model and underwriting discipline as the key factors behind the relationship.

    "ITC has built something genuinely differentiated — a point-of-sale distribution channel," said Torben Ostergaard, CEO of Spinnaker. "We're proud to support their national expansion, and this partnership is a strong example of how Hippo's insurance infrastructure can enable innovative distribution models that meet customers where they are."

    The announcement builds on significant momentum for ITC. The company has active OEM partnerships as well as a distribution partnership with TrueCar. ITC's embedded platform currently operates across more than 110 activated dealerships.

    ITC's platform eliminates the friction traditionally associated with purchasing auto insurance. By embedding the quoting and binding workflow directly into the sales process, ITC removes the need for consumers to shop separately for coverage after a vehicle purchase, converting what was once a post-sale chore into a seamless part of the transaction.

    This announcement was also covered by AutoSuccess.

    About In The Car (ITC)

    In The Car is an embedded auto insurance platform operating as a Managing General Agent (MGA). ITC partners with OEMs, dealer groups, and automotive marketplaces to deliver bindable personal auto insurance directly within the vehicle purchase experience. The company's technology integrates with leading dealer management systems, enabling sub-45-second quotes with no disruption to the sales workflow. Learn more at www.inthecar.com.