Miranda is a financial writer and avid podcaster with nearly two decades of experience contributing to major outlets, including Forbes, The Hill, and NPR.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Shopping for car insurance can feel tedious, but if you’re a nurse, you may be in for some good news. That’s because some auto insurance companies offer discounts to healthcare workers, including nurses.
Here’s what you need to know about car insurance for nurses and how you can save on an auto policy.
Quick Facts
Some car insurance companies offer special discounts for medical professionals and people affiliated with certain organizations.
Nationwide, Travelers, and Safeco offer some of the cheapest full-coverage policies for nurses.
Regardless of your chosen career field, comparing quotes from multiple insurers is the best way to find a policy that meets your budget and needs.
Best car insurance companies for nurses
As you begin your search for car insurance, the following companies might be good choices for coverage.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$91/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$189/mo
4.7
Best choiceBased on 875 verified guest reviews and ratings
How drivers feel about Travelers
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they ’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (455)
Gwen
April 28, 2025
Verified Review
Good Insurer
Had no issues with their service. I had one glass claim during my time with them, and it was handled efficiently. I left because I found better coverage for $400 less.
Diana
April 23, 2025
Verified Review
We are retired, Florida rates are extremely expensive.
For us, we are retired and do not put more than 4,000 miles on our car each year. Despite this, the insurance rates in Florida are extremely expensive for us.
Victoria
April 21, 2025
Verified Review
Cancelled Policy
I had Travelers insurance through you for one year. Despite making no claims, my policy is being cancelled. You called to offer me a different policy that is over five times higher than my previous one. It feels like a bait and switch.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Travelers has been around for more than 165 years and is the only property and casualty company included in the Dow Jones Industrial Average. It’s widely available across the country, and AM Best rates it highly for financial strength, indicating that it’s able to pay out claims.
Available discounts for nurses: Affinity programs available for certain memberships; discounts for good drivers, bundling, continuous insurance, homeownership, and having multiple policies
Pros
Accident forgiveness available
Offers discount for hybrid and electric cars
A++ (Superior) financial strength rating from AM Best
Cons
Rideshare coverage not available in all states
High number of negative customer reviews with the Better Business Bureau
Higher-than-average number of complaints with the National Association of Insurance Commissioners
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$101/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$154/mo
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (6,763)
Danny
April 30, 2025
Verified Review
Better pricing
Find a cheaper rate.
Dale
April 30, 2025
Verified Review
Too high for car insurance when I have no tickets
They are way overpriced. I was paying $60 for full coverage in Iowa, moved to Colorado, and now I'm paying $134 for the same coverage.
James
April 30, 2025
Verified Review
Not a fan!!
I'm so tired of seeing my rates go up with no claims and no tickets. Bundling is a fiasco, as I am now finding cheaper rates without bundling. I will be moving my auto insurance shortly, as it is $120 over State Farm and others.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.82
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
Started in 1939, Progressive was one of the first underwriters of non-standard insurance policies. It also offers numerous add-on coverages, including roadside assistance, custom parts and equipment, rideshare, and pet injury coverage.
Available discounts for nurses: Discounts based on loyalty, method of payment, driving behavior, and bundling, as well as for signing up online and going paperless
Pros
Rewards for good drivers
Numerous coverage options and discounts available
Optional coverage for pet injuries
Cons
Much lower-than-average overall customer satisfaction ranking in J.D. Power’s 2023 U.S. Auto Claims Satisfaction Study
Trustpilot rating of 1.1 stars (out of 5) from more than 1,000 reviews
Rates trend higher than rates from many competitors
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.7 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$86/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$179/mo
4.4
Best choiceBased on 852 verified guest reviews and ratings
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
Reviews (478)
Ruth
April 28, 2025
Verified Review
Overall experience has been great. Just looking for better pricing
Excellent
Walter
April 20, 2025
Verified Review
Good Insurance but Extremely Costly
The insurance is good, but it's extremely expensive.
Patricia
April 20, 2025
Verified Review
They don't inform you about anything. They never notified me that I was without insurance for two months. I received no communication from them, no phone call, text, or email. So, when people ask about Nationwide, I will tell them it's not the best. They won't notify you about anything. If I hadn't called to remove my truck from the policy because it broke down, I would have never known that I had no insurance.
They don't inform you about anything. They never notified me that I was without insurance for two months. I received no communication from them, no phone call, text, or email. So, when people ask about Nationwide, I will tell them it's not the best. They won't notify you about anything. If I hadn't called to remove my truck from the policy because it broke down, I would have never known that I had no insurance.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.64
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
Available widely, Nationwide was established as Farm Bureau Mutual Automobile Insurance Company in 1926. The company changed its name in 1955 but still works with farm bureaus in some states. Safe drivers can save up to 40% on their premiums through the company’s usage-based insurance program, SmartRide.
Available discounts for nurses: Discounts based on whether you take a good driving course, remain accident-free, or take other safe-driving actions; also possible to get usage-based insurance, meaning you could see a reduction in policy cost if you drive infrequently
Pros
Offers 24/7 roadside assistance coverage add-on
SmartRide (for safe drivers) and SmartMiles (for low-mileage drivers)
Accident forgiveness available
Cons
Below-average customer satisfaction scores from J.D. Power
Some discounts and programs not available in all states
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$108/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$229/mo
4.0
Best choiceBased on 2,143 verified guest reviews and ratings
How drivers feel about Farmers
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
How drivers feel about Farmers
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
Reviews (1,152)
James
April 30, 2025
Verified Review
Claims Nightmare
Overly complex policy description and provisions, particularly confusing claim forms, with a lack of specific listing of dollar amounts per type of loss.
Sherry
April 30, 2025
Verified Review
Poor
Poor customer service and extremely high prices.
Stanley
April 28, 2025
Verified Review
Typical Insurance Company
They are a typical insurance company that doesn't keep in mind their customers' needs. They are always raising rates because of the high cost of repairs, even though I don't own one of those vehicles. Also, there are no notifications of raising their fees!
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.13
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Started in 1928, Farmers serves more than 10 million households and offers a variety of insurance products. Policies are available in all 50 states. Nurses can take advantage of several discounts from Farmers, including discounts for going paperless, bundling policies, and being accident-free for five years.
Available discounts for nurses: Professional and military personnel discounts, as well as regular payment, safe driver, and multi-line discounts
Pros
Many auto insurance discounts
Robust roadside assistance program
Offers customized equipment coverage add-on
Cons
Lower customer satisfaction scores from J.D. Power
Tends to have higher premiums than some competitorsNot available in every state
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$90/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$150/mo
4.4
Best choiceBased on 845 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (476)
Billy
April 30, 2025
Verified Review
Long-time customer getting poor service
I was satisfied until I needed to make a change. Customer service failed to answer the phone after many attempts. I finally got a return call from someone who could not help with my new house but supposedly made the auto change. I got another call today from someone about the house but they couldn’t see the auto change. Poor customer service.
Valerie
April 30, 2025
Verified Review
Forced to Switch
Safecp has been a trustworthy insurance provider for my home since 1973. I just received a notice a week or so ago that our auto insurance will increase in cost when it renews, and it would be more than $400 more per year. We've not had any violations or accidents, so we don't understand why it was increasing so much. We decided, for that matter, to say "goodbye."
Jesse
April 26, 2025
Verified Review
Do not use Safeco
I'd tell a friend to find another provider. Safeco told me my policy would increase by $123 every six months after adding full coverage. Then I received a policy in the mail stating I would owe $590 in November. A week later, I got another bill for $164. A couple of weeks later, I received a new bill for $774, which is what they now claim I owe for my 6-month policy. I called, and they had no record of the $590, even though I had the invoice sitting right in front of me. So I canceled them.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Safeco, a Liberty Mutual company, offers some of the cheapest liability rates in the U.S., Insurify data shows. And Safeco includes coverages in its standard policies that are normally add-ons with most other insurers, such as accident forgiveness.
Available discounts for nurses: Safe driver, accident-free, vehicle safety features, multi-policy
Pros
Pays cash back to customers who remain claims-free
Many options for customizing car insurance
Accident forgiveness available
Cons
May not be the cheapest option for drivers with infractions on their records
Customer reviews indicate room for improvement in customer service
Higher-than-average number of complaints with the National Association of Insurance Commissioners
To choose the best car insurance companies for nurses, we compared insurers’ rates, relevant discounts, nationwide availability, and our Insurify Quality (IQ) Scores, which measure overall company health and customer satisfaction. The companies we selected offer relatively low rates compared to competitors and provide relevant discounts, such as affinity group, loyalty, and multi-policy discounts.
Occupation discounts: Some insurance companies offer an occupational discount for healthcare workers, such as nurses. Ask your insurance company if it offers this type of discount.
Professional organization discounts: Some professional organizations offer auto insurance discounts to members. If you’re a nurse belonging to a national nurses’ association or another professional organization, you might qualify for a discount on your auto insurance policy. Check with the American Nurses Association and other organizations to see if you can get a professional discount.
Bundling discounts: You can also get car insurance savings by bundling your policy with another type of insurance policy. For example, getting home insurance or life insurance from the same company can result in a lower overall premium.
Safe driving discounts: Many insurers offer discounts to people who go accident-free or don’t file any claims for a certain period of time.
Vehicle safety feature discounts: If you have safety features in your vehicle, like anti-theft devices or anti-lock brakes, you might be able to get a discount.
Find Car Insurance for Nurses
Liability rates start as low as $16 per month
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Based on 3,806+ reviews
4.8/5
Average cost of car insurance for nurses
The national monthly average for full-coverage car insurance is $195, and liability-only coverage is $105, according to Insurify data.
Nurses who belong to certain professional organizations or qualify for discounts could pay lower car insurance rates than the nationwide averages. But many factors affect the price you pay for coverage, including your age, ZIP code, car, and coverage levels.
Average cost of car insurance for nurses by company
When looking for the best car insurance coverage, it helps to compare different companies. The table below shows full-coverage and liability-only quotes from top insurance companies. The rate you pay could be higher or lower depending on your unique driver profile.
Insurance Company
Liability Only
Full Coverage
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Average cost of car insurance for nurses by state
The table below shows average car insurance costs for liability and full coverage by state. These rates aren’t specific to nurses, but they could give you an idea of what you might pay depending on where you live.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Factors that affect car insurance costs for nurses
Insurers commonly consider these factors when setting car insurance rates:[1]
Driving history
Your insurance company may consider you as higher risk and charge you a higher premium if you were involved in an accident — especially if you were found at fault.
Where you live
The community where you live might also affect the cost of your insurance. For example, auto insurance coverage in a ZIP code with a higher rate of car break-ins might be more expensive than in an area with a lower rate of crime.
How often you drive
Your insurance company may consider you to have a higher risk of getting in an accident if you drive an above-average number of miles per year, like if you’re a traveling nurse who logs a lot of miles for your job.
Credit history
Depending on the state you live in, your insurance company may consider your credit history when setting your auto rates.[2] Some states don’t allow insurance companies to consider your credit history when setting rates. But in states where the practice is legal, a higher credit score may result in a lower insurance premium.
Safety features
Your insurance company may offer lower auto rates if your car features telematics devices designed to monitor your driving or ensure you can track down your car if someone steals it.
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4.8/5
How nurses can save money on car insurance
In addition to nurse-specific discounts, you have multiple other ways to save money on your car insurance costs. Here are some different ways to get discounts:[3]
Ask about standard discounts. Many insurance companies offer standard discounts if you have multiple cars, bundle other types of insurance, or use paperless billing.
Consider telematics. If you’re willing to use in-car tracking devices to monitor your driving, you could get a discount based on the results.
Maintain a good driving record. One of the best ways to see insurance savings is through a good driving record. Avoid tickets and accidents, and you’ll get a better rate.
Compare car insurance quotes. Don’t forget to compare quotes from three to five companies to get the best rate. Shop around regularly to make sure you’re still getting a good deal.
Car insurance for nurses FAQs
If you’re looking for car insurance as a registered nurse, you might be able to get special discounts. Here’s what you need to know about getting a lower auto rate.
What professional organizations offer car insurance discounts for nurses?
Some professional organizations that offer car insurance discounts for nurses include the American Nurses Association; the Association of Women’s Health, Obstetric and Neonatal Nurses; and the American Society of Registered Nurses.
If you belong to a nursing organization, check if it offers its members a partnership with an insurance company to give nurses a discount.
What car insurance companies offer discounts for nurses?
GEICO, Farmers, Nationwide, and Travelers are some insurers offering discounts for nurses. Check if your company offers an occupation-based discount for nurses.
Which company has the cheapest car insurance for nurses?
In general, Safeco, USAA, and State Farm have some of the cheapest car insurance for nurses. While being a nurse can get you savings on car insurance, each insurer has different discounts, so ask your insurance company which ones are available.
Which state has the cheapest auto insurance rates for nurses?
While different factors are involved, some states have lower rates for nurses. Ohio and Illinois have some of the cheapest rates for liability-only and full-coverage car insurance.
Miranda Marquit, MBA, is a freelance financial writer covering various markets and topics since 2006. She has contributed to numerous media outlets, including Forbes, TIME, The Hill, NPR, HuffPost, Yahoo! Money, and more. Her work has been syndicated by MSN Money, Marketwatch, Credit.com, and other publications. She has written about insurance topics for Clearsurance, HealthCare.com, and various other websites. She is also an avid podcaster and co-hosts the Money Talks News podcast. Miranda has a Master’s Degree in Journalism from Syracuse University. Connect with her on LinkedIn.
Miranda has been a contributor at Insurify since October 2022.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.