Cheapest Auto Insurance in Enid, Oklahoma (2025)
State Farm offers the cheapest car insurance in Enid, with minimum-coverage policies as low as $47 per month.
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Written byJacqueline DeMarco
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13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Edited byAshley Cox
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7+ years in content creation and management
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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Table of contents
Drivers in Enid, Oklahoma, pay an overall average of $115 per month for car insurance, which is lower than the overall state average of $133 and the overall national average of $149.
Local factors like vehicle crime, traffic, and weather can all affect how likely a driver is to file an insurance claim, which influences their rates. Oklahoma is notorious for experiencing very damaging tornadoes, which can lead to a lot of expensive car insurance claims.
Here’s what you should know about comparing car insurance rates to help you save a little money on your car insurance in Enid.
Quick Facts
Enid drivers pay an average of $74 per month for liability coverage and $155 per month for full coverage.
State Farm, Mercury, and USAA offer the cheapest car insurance policies in Enid.
Full-coverage car insurance costs Enid drivers an average of $1,861 per year.
3 of the cheapest car insurance companies in Enid
To find cheap car insurance in Enid, it helps to narrow your search to insurers that are known for offering a great product and service while also keeping their rates low. The auto insurance company that’s best for you depends on your unique needs, so it’s important to shop around and compare your options.
Here’s a closer look at three of the cheapest car insurance companies in Enid.
Insurance Company  | 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. | Full Coverage | Liability Only | Best for |
|---|---|---|---|---|
| State Farm | 9.3 | $84 | $52 | Cheap rates |
| USAA | 9.1 | $105 | $65 | Military members and their families |
| Allstate | 8.9 | $116 | $71 | Safe drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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.
Best insurer for cheap rates: State Farm
| User Reviews | 4.1 |
|---|---|
| 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. | 9.3 /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. | $47/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. | $74/mo |
4.1
Best choiceBased on 11,395 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,083)
Robert
Verified Review
State Farm Doing the Lord's Work
Reviewed in Florida on August 2025
They were quick on the phone when I needed insurance for my new car at the dealership, and they gave me the best rate (about $150 less a month) out of the 3 or 4 that I called.
Christopher
Verified Review
State Farm too expensive.
Reviewed in Florida on August 2025
Constant price increases are never a good thing.
Scott
Verified Review
State Farm: High on Cost, Low on Actual Service
Reviewed in Texas on August 2025
Absolutely painful. Exactly what you think of when discussing insurance companies. The agent is super active to get you to sign up, disappears entirely while you are a customer, and won’t get involved at all when you need something, but tries to be your best friend when you move to cancel.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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
State Farm offers some of the most affordable auto insurance premiums in Enid and makes it possible to save even more money thanks to the wide variety of discounts. You may be able to qualify for discounts by doing things like earning good grades if you’re a student or completing a defensive driver course.
Be sure to ask a State Farm insurance agent about what discounts you may qualify for.
Pros
Many available discounts
High ranking in J.D. Power’s 2023 U.S. Auto Claims Satisfaction Study
Cons
Policies not available online
Gap insurance not available
Best insurer for military members and their families: USAA
| User Reviews | 4.9 |
|---|---|
| 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. | 9.1 /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. | $59/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. | $93/mo |
4.9
Best choiceBased on 2,129 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,205)
Richard
Verified Review
I don't like that you only get the discount if you're enrolled in their monitoring safe driving program. It's not easy for someone like me who has a hard time navigating on my phone. I've tried to do it on the phone with one of their agents, but it didn't go through, so they raised my monthly payments. I'm on auto-pay, so I'm not very happy.
Reviewed in Connecticut on August 2025
I don't like that you only get the discount if you're enrolled in their monitoring safe driving program. It's not easy for someone like me who has a hard time navigating on my phone. I've tried to do it on the phone with one of their agents, but it didn't go through, so they raised my monthly payments. I'm on auto-pay, so I'm not very happy.
Robert
Verified Review
Best Value for Veterans!
Reviewed in Washington on July 2025
Top Notch! Best Insurance for Veterans!
Carol
Verified Review
I've been with them for 60 years
Reviewed in Georgia on July 2025
They offer a savings account, but you end up paying for it with higher premiums.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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
USAA offers insurance services and competitive rates to military members, veterans, and their families. Nearly 3,100 Enid residents are veterans, so this company could suit the needs of many Enid families.
Pros
AM Best financial strength rating of A++ (Superior)
Specialized discounts for the military community
Cons
Gap insurance not available
Limited eligibility
Best insurer for safe drivers: Allstate
| User Reviews | 3.9 |
|---|---|
| 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. | 8.9 /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. | $65/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. | $103/mo |
3.9
A solid optionBased on 6,945 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,683)
Alison
Verified Review
Allstate
Reviewed in Texas on August 2025
Great prices, agents available.
Sandra
Verified Review
Poor decision to not support clients
Reviewed in Arizona on August 2025
They did not subrogate when I was t-boned by a driver without insurance, but the registered owner was insured. However, the registered owner claimed they sold the car to the driver, but the driver never legally changed the title to their name. I would have hoped that Allstate would fight for their client and not accept that the auto was sold to the driver. The owner should have been responsible since they did not get the title out of their name.
Vickie
Verified Review
This company is fine - their prices, not so much
Reviewed in Oregon on August 2025
I've been with Allstate for home and auto insurance for the past several years. I'm totally disgusted by their constant rate hikes.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.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
In Enid, there were 74 car accidents in 2021. If you’re a safe driver, you can save a lot with Allstate thanks to its DriveWise app. Using this app can lead to discounts if you practice safe driving habits. It can also help out in dangerous situations by automatically alerting authorities if it detects that you’ve been in an accident.
Pros
Offer classic car coverage and Mexico car insurance
Variety of available discounts
Cons
Negative customer reviews on Trustpilot
Below-average J.D. Power customer satisfaction rating in the Central region
How to get the cheapest car insurance in Enid
When shopping around for the lowest car insurance rates in Enid, consider these tips to help you find a good rate:[1]
Compare quotes. Obtain quotes from at least three insurers to help you identify the most affordable rates.
Bundle policies. If an insurer offers more than just car insurance, consider combining your auto insurance with other policies like business insurance, life insurance, renters insurance, or home insurance. Many insurers offer a discount for bundling policies.
Maintain a clean driving record. Having a history of safe driving on your record can keep premium prices low, so driving safely can pay off.
Adjust coverage. Each year before renewing your auto insurance policy or looking for a new one, it’s a good idea to reassess your coverage needs. You may be able to lower your coverage amount to save a little.
Find Cheap Car Insurance in Enid, OK
Liability rates start at $47 per month
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Cheapest liability-only car insurance in Enid: State Farm
Liability-only car insurance covers injuries and property damage that you cause to others in an auto accident. But it doesn’t cover your own injuries or vehicle damage. It’s a more affordable option for people with older cars or limited budgets, but it lacks the comprehensive protection of full-coverage policies.
The average monthly rate for liability-only car insurance in Enid is $74.
To find car insurance companies in Enid that offer the lowest average monthly quotes for liability policies, check out the table below.
The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $47 |
| Mercury | $52 |
| USAA | $59 |
| Progressive | $60 |
| National General | $61 |
| Allstate | $65 |
| Root | $66 |
| CSAA | $71 |
| Safeco | $71 |
| The General | $74 |
| Direct Auto | $87 |
| Bristol West | $95 |
| Farmers | $100 |
| GAINSCO | $103 |
| GEICO | $107 |
| Shelter | $140 |
| Liberty Mutual | $164 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Enid: State Farm
Full-coverage insurance includes additional protection for your vehicle, combining comprehensive and collision coverage. A full-coverage policy can be very beneficial for people with newer cars or significant assets.
It’s a more expensive option but provides a broader safety net, encompassing damage to your car, theft, and various non-collision incidents. If you finance or lease your vehicle, your lender or leasing company will require you to have full coverage.
On average, full-coverage car insurance in Enid costs $155 per month.
This next table highlights the most affordable insurance companies for full-coverage policies in Enid.
The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $74 |
| USAA | $93 |
| Allstate | $103 |
| Progressive | $105 |
| Mercury | $118 |
| CSAA | $125 |
| Root | $127 |
| National General | $136 |
| Safeco | $146 |
| Farmers | $158 |
| The General | $158 |
| Direct Auto | $165 |
| GEICO | $167 |
| Shelter | $221 |
| Bristol West | $226 |
| Liberty Mutual | $238 |
| GAINSCO | $260 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Enid, Oklahoma
Drivers in and around Enid, Oklahoma have found policies from Direct Auto, The General, National General, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Enid, Oklahoma within the last 10 days. Last updated on August 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Enid, Oklahoma within the last 10 days. Last updated on August 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Oklahoma
All states have their own unique requirements regarding how much liability coverage you need to drive legally. In the state of Oklahoma, you must meet a minimum liability coverage amount of 25/50/25.[2]
This table breaks down what those numbers represent.
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 |
While you only need to meet state minimum liability requirements, purchasing one or more of these optional types of auto insurance coverage may give you more peace of mind.[3]
Collision coverage
Collision insurance covers vehicle repairs following a collision, regardless of who was at fault.
Comprehensive coverage
Comprehensive insurance safeguards against non-collision damages, like natural disasters, vandalism, theft, fires, or falling objects.
Gap coverage
If you experience a total loss, gap insurance pays the difference between your loan balance and insurance settlement.
Uninsured/underinsured motorist coverage
With uninsured/underinsured motorist coverage, you’ll receive coverage for damages and injuries if an uninsured or underinsured driver causes an accident.
Cheapest car insurance for drivers with an incident
If possible, you want to avoid having incidents — like at-fault auto accidents, speeding tickets, and driving under the influence (DUI) convictions — on your driving record. These incidents can lead to increased insurance rates because they give car insurance companies cause for concern that you’re more likely to file future claims.[4]
The table below highlights how different driving incidents can affect your auto insurance rates.
The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| State Farm | $47 | $57 | $59 | $74 |
| Mercury | $52 | $69 | $72 | $81 |
| USAA | $59 | $72 | $74 | $92 |
| Progressive | $60 | $74 | $76 | $97 |
| National General | $61 | $75 | $77 | $96 |
| Allstate | $65 | $79 | $82 | $102 |
| Root | $66 | $85 | $82 | $103 |
| CSAA | $71 | $88 | $95 | $111 |
| Safeco | $71 | $89 | $95 | $113 |
| The General | $74 | $96 | $98 | $116 |
| Direct Auto | $87 | $107 | $113 | $136 |
| Bristol West | $95 | $118 | $121 | $149 |
| Farmers | $100 | $123 | $126 | $157 |
| GAINSCO | $103 | $121 | $127 | $161 |
| GEICO | $107 | $135 | $127 | $168 |
| Shelter | $140 | $179 | $176 | $219 |
| Liberty Mutual | $164 | $204 | $210 | $257 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Young drivers have less experience and are more likely to engage in risky driving behaviors like speeding. This leads auto insurance companies to charge them higher rates. Once drivers reach age 35 or so, they can expect to see their premiums decrease.
But rates begin to increase around age 70, as age-related changes to vision and reflexes put senior drivers at higher risk of accidents.
To better understand how age affects car insurance rates, check out the following table.
Age | Average Monthly Quote |
|---|---|
| Teens | $328 |
| 20s | $228 |
| 30s | $169 |
| 40s | $153 |
| 50s | $137 |
| 60s | $132 |
| 70s | $142 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Shop for Car Insurance in Enid, Oklahoma
Check quotes from 120+ top insurance companies
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Enid car insurance quotes by credit tier
In Oklahoma, insurance companies can use your credit history to help determine insurance premiums. Having a poor credit score leads to higher rates than a good credit score because a low credit score can indicate that a driver is more likely to file claims.
The chart below gives you a look at how your credit tier can affect your car insurance rates in Enid.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Enid car insurance FAQs
Check out the additional information below as you shop for car insurance coverage in Enid, Oklahoma.
How much is car insurance in Enid?
Car insurance in Enid costs $74 per month for liability coverage and $155 per month for full coverage, according to Insurify data.
Which companies have the cheapest car insurance in Enid?
State Farm has the cheapest car insurance in Enid, with monthly liability rates of $47. Mercury and USAA also offer affordable coverage, with respective monthly liability rates of $52 and $59.
But the cheapest company for you will depend on multiple factors, including your age, ZIP code, type of car you drive, and coverage levels you choose.
What are the best car insurance companies in Enid?
With an IQ Score of 9.3 out of 5, an AM Best financial strength rating of A++ (Superior), and low rates, State Farm is the best car insurance company in Enid. Other top insurers include Allstate and USAA.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Insurance Information Institute. "How to save money on car insurance."
- Oklahoma Insurance Department. "Auto Insurance: Common Myths."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
)
Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Jacqueline has been a contributor at Insurify since October 2022.
7+ years in content creation and management
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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