Kin, the direct-to-consumer insurtech, has launched auto insurance in Colorado, making the state the third where it offers auto coverage after Florida and Texas.
The company announced on 12 November 2026 that Colorado homeowners who bundle home and auto insurance with Kin may save up to 15% on home premiums and up to 20% on auto premiums, as long as both policies stay active with Kin.
According to the release, during beta testing 42% of Colorado homeowners who bought a Kin home policy also bought Kin auto cover.
Customers can choose liability cover or full coverage, which adds collision and comprehensive protection. Claims are handled by Kin's dedicated claims team, and a Mature Driver Discount is available for drivers aged 55 and older who complete an approved safety course.
"The demand is clearly there. Homeowners want the convenience of having all their coverage in one place," said Sean Harper, Founder and CEO of Kin.
"We've already built a strong relationship with our Colorado home insurance customers, and expanding into auto insurance is a natural next step. We're making it easier for them to get the coverage they need while saving money on both policies," Harper added.
The release cites the Colorado Division of Insurance, which says hail accounts for roughly half of homeowners insurance premiums along Colorado's Front Range and into the Eastern Plains.
Kin is headquartered in Chicago and offers direct-to-consumer digital home and auto insurance alongside home finance services. It focuses on underserved homeowners in states with high catastrophic risk, offers policies through its managed reciprocal exchanges, and describes its technology platform as AI-native.
The Colorado launch extends Kin's auto product beyond its first two states, Florida and Texas, and pairs it with the home insurance business the company already runs in Colorado.
