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Goodwill and Intangible Assets (Tables)

12 Months Ended

Dec. 31, 2025

Goodwill and Intangible Assets Disclosure [Abstract]

Schedule of Cost and Accumulated Amortization

The cost and accumulated amortization of intangible assets as of December 31, 2025 and 2024 are as follows:

						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. Refer to Note 11 — Acquisition for additional details.

						December 31, 2024
						Weighted average useful life						Gross carrying amount						Accumulated amortization						Net carrying amount
												in thousands
Internally developed software						3.3						$	136,235					$	(82,903)					$	53,332
Renewal rights						9.9						19,187						(8,458)						10,729
Trade names and trademarks						14.1						12,061						(3,393)						8,668
State licenses (1)						Indefinite						11,263						—						11,263
Relationships and customer lists						15.4						7,975						(1,896)						6,079
Other						4.2						1,065						(1,029)						36
Total intangible assets												$	187,786					$	(97,679)					$	90,107

(1)    Represents certain state licenses related to the acquisition of Drivers Edge. Refer to Note 11 — Acquisition for additional details.

Schedule of Future Amortization Expense

Estimated future aggregate amortization expense related to intangible assets as of December 31, 2025 is as follows:

			in thousands
2026			$	23,559
2027			21,093
2028			15,450
2029			6,292
2030			2,615
Thereafter			8,643
Total			$	77,652

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- References

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- Definition

Tabular disclosure of assets, excluding financial assets and goodwill, lacking physical substance with a finite life, by either major class or business segment.

+ References

Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Name Accounting Standards Codification
-Section 55
-Paragraph 40
-SubTopic 30
-Topic 350
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482640/350-30-55-40

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482665/350-30-50-2

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- Definition

Tabular disclosure of the amount of amortization expense expected to be recorded in succeeding fiscal years for finite-lived intangible assets.

+ References

Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Name Accounting Standards Codification
-Section 55
-Paragraph 40
-SubTopic 30
-Topic 350
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482640/350-30-55-40

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482665/350-30-50-2

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