SunCar Leveraging Doubao’s Leading AI Technology in China’s Auto Insurance Market
Rhea-AI Summary
SunCar Technology Group (NASDAQ: SDA) expanded its GenAI capabilities by integrating ByteDance's Doubao LLM into its digital auto insurance platform and launching a Personalized Auto Insurance AI Agent, with integration beginning in Q3 2025.
This AI agent aims to streamline policy discovery, recommendations, quotes, underwriting, and renewals, leverage SunCar’s proprietary vehicle records, and support distribution partners including 20 leading EV OEMs.
SunCar says the Doubao partnership enhances engagement and dynamic risk pricing using multimodal AI and deep reasoning; Doubao’s chatbot reportedly has 150 million weekly active users.
Positive
- Integrated Doubao LLM into platform starting Q3 2025
- Launched Personalized Auto Insurance AI Agent for drivers and partners
- Partnership covers 20 leading EV OEMs as distribution partners
- Doubao chatbot has 150 million weekly active users
Negative
- Direct competitor activity: Insurify launched a ChatGPT insurance app
- No financial metrics or quantified ROI disclosed for the AI rollout
Key Figures
Market Reality Check
Peers on Argus
SDA was down 0.99% while peers showed mixed moves: RMBL up 38.96%, VRM down 4.58%, and others (CRMT, JZXN, KFS) modestly negative. Momentum scan flags MCW up 16.64% and JZXN down 4.03%, underscoring stock-specific dynamics rather than a unified sector trend.
Previous AI Reports
| Date | Event | Sentiment | Move | Catalyst |
|---|---|---|---|---|
| Nov 06 | AI growth update | Positive | +3.2% | AI center and Doubao integration driving premium growth for EV partners. |
| Feb 10 | AI platform rollout | Positive | -0.4% | Full integration of DeepSeek AI into service platform and insurance SaaS. |
Past AI-related announcements produced modest, mixed reactions, with one positive and one slightly negative move.
Recent AI-focused news for SunCar has emphasized deeper integration of third-party AI engines into its insurance platforms. On Feb 10, 2025, the company completed integration of DeepSeek AI across cloud and SaaS insurance solutions. On Nov 06, 2025, SunCar highlighted its Anji AI Technology Services Center and Doubao integration, tied to strong premium growth for EV partners. Today’s Personalized Auto Insurance AI Agent builds on this trajectory of layering AI onto SunCar’s proprietary data and EV-focused distribution.
Historical Comparison
Past AI announcements for SDA saw an average move of 1.38%, with one positive and one slightly negative reaction, suggesting historically modest market responses to AI updates.
SunCar’s AI narrative has progressed from integrating DeepSeek AI into core platforms, to Doubao-powered premium growth for EV partners, and now to a Personalized Auto Insurance AI Agent leveraging its proprietary vehicle data.
Market Pulse Summary
This announcement highlights SunCar’s expansion of Doubao LLM integration into a Personalized Auto Insurance AI Agent, aimed at China’s B2B auto insurance market. The product leverages SunCar’s proprietary vehicle database and Doubao’s multimodal AI to improve quotes, risk pricing, and renewals for 20 EV OEM partners. In context of earlier AI initiatives, investors may watch for quantified impacts on customer acquisition costs, policy renewal rates, and premium growth as key metrics for assessing the commercial value of this AI rollout.
Key Terms
llm technical
genai technical
multimodal ai technical
chatbot technical
AI-generated analysis. Not financial advice.
NEW YORK, Feb. 18, 2026 (GLOBE NEWSWIRE) -- SunCar Technology Group Inc. (the "Company" or "SunCar") (NASDAQ: SDA), a leader in digitalizing auto insurance in China, integrated ByteDance's Doubao LLM ("Doubao") into its digital auto insurance platform beginning in Q3 2025. SunCar is now expanding this integration with the launch of its Personalized Auto Insurance AI Agent.
Recently, US Insurtech company, Insurify, launched its ChatGPT app to provide AI-powered insurance shopping for consumers. SunCar is pursuing a comparable strategy in China's B2B market, integrating Doubao's GenAI technology to serve distribution partners and their end customers. The Company's Personalized Auto Insurance AI Agent provides drivers with AI-powered insurance services while delivering improved ROI to SunCar's OEM and distribution partners.
Adding the power of GenAI to SunCar’s proprietary database of vehicle records provides drivers with the optimal user experience for many aspects of the auto insurance process including policy discovery, recommendations, quotes, underwriting, and renewals. SunCar’s partnership with Doubao combines SunCar’s deep auto insurance data with Doubao’s multimodal AI understanding and deep reasoning capabilities enabling more accurate quotes and dynamic risk pricing. Drivers can skip tedious forms and make policy comparisons using GenAI-generated prompts. For its partners, which include 20 leading EV OEMs, SunCar’s AI-powered policy renewal tools have significantly reduced customer acquisition costs.
Doubao’s chatbot has over 150 million weekly active users and is known for its highly engaging applications. SunCar's integration of Doubao's technology is designed to deliver similar engagement for auto insurance customers. At the same time, SunCar’s partners are benefitting from the operating efficiencies and improved customer satisfaction that GenAI technology delivers.
Forward-Looking Statements
This press release contains information about the Company’s view of its future expectations, plans, and prospects that constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Actual results may differ materially from historical results or those indicated by these forward-looking statements as a result of a variety of factors including, but not limited to, risks and uncertainties associated with its ability to raise additional funding, its ability to maintain and grow its business, variability of operating results, its ability to maintain and enhance its brand, its development and introduction of new products and services, the successful integration of acquired companies, technologies and assets into its portfolio of products and services, marketing and other business development initiatives, competition in the industry, general government regulation, economic conditions, dependence on key personnel, the ability to attract, hire and retain personnel who possess the technical skills and experience necessary to meet the requirements of its clients, and its ability to protect its intellectual property. Forward-looking statements in this release include statements regarding the planned launch of AI-powered services, expected improvements in customer experience, potential cost reductions, and the development of SaaS solutions. These statements involve risks including technology development challenges, market acceptance, regulatory approval requirements, and the ability to scale AI implementations. For a detailed discussion of these risks, please refer to the Company's Annual Report on Form 20-F and other filings with the Securities and Exchange Commission. Forward-looking statements speak only as of the date of this press release, and the Company undertakes no obligation to update or revise these statements, except as required by law.
Contact Information:
SunCar:
Investor Relations: Mr. Breaux Walker
Email: IR@suncartech.com
Legal: Ms. Li Chen
Email: chenli@suncartech.com
U.S. Investor Relations
Tom Cook
Managing Director
ICR
Email: Tom.Cook@icrinc.com
SOURCE SunCar Technology Group Inc.
FAQ
What did SunCar (SDA) announce on February 18, 2026 about Doubao integration?
How does SunCar’s Personalized Auto Insurance AI Agent benefit drivers and partners (SDA)?
Which distribution partners does SunCar (SDA) say are using its AI-powered tools?
What claims did SunCar (SDA) make about Doubao’s AI capabilities and scale?
Does SunCar (SDA) face competitive pressure in AI-powered insurance from U.S. players?
What aspects of the auto insurance process does SunCar’s AI agent target for improvement (SDA)?
