Intangible Assets (Tables)

3 Months Ended

Mar. 31, 2026

Goodwill and Intangible Assets Disclosure [Abstract]

Schedule of Cost and Accumulated Amortization

The cost and accumulated amortization of intangible assets as of March 31, 2026 and December 31, 2025 are as follows:

	March 31, 2026
	Weighted average useful life	Gross carrying amount		Accumulated amortization		Net carrying amount
		in thousands
Internally developed software	3.4	$	160,345	$	(105,461)	$	54,884
Renewal rights	10.0	21,551		(11,148)		10,403
Trade names and trademarks	14.2	11,867		(4,690)		7,177
State licenses (1)	Indefinite	11,263		—		11,263
Relationships and customer lists	15.5	7,907		(2,509)		5,398
Other	3.5	579		(579)		—
Total intangible assets		$	213,512	$	(124,387)	$	89,125

(1)    Represents certain state licenses related to the acquisition of Drivers Edge Insurance Company ("Drivers Edge").

	December 31, 2025
	Weighted average useful life	Gross carrying amount		Accumulated amortization		Net carrying amount
		in thousands
Internally developed software	3.4	$	155,933	$	(102,326)	$	53,607
Renewal rights	10.0	21,740		(10,693)		11,047
Trade names and trademarks	14.2	11,867		(4,402)		7,465
State licenses (1)	Indefinite	11,263		—		11,263
Relationships and customer lists	15.5	7,913		(2,380)		5,533
Other	3.5	580		(580)		—
Total intangible assets		$	209,296	$	(120,381)	$	88,915

(1)    Represents certain state licenses related to the acquisition of Drivers Edge.

Schedule of Future Amortization Expense

Estimated future aggregate amortization expense related to intangible assets as of March 31, 2026 is as follows:

	in thousands
2026 - remaining	$	18,576
2027	22,924
2028	17,376
2029	7,548
2030	2,751
Thereafter	8,687
Total	$	77,862