Best Lawton, OK Auto Insurance in 2025 (Check Out the Top 10 Companies)
The best Lawton, OK auto insurance providers are State Farm, Progressive, and Allstate, with rates starting as low as $45 per month. These companies stand out for their affordability, excellent customer service, and fast claims processing, making them top choices for car insurance in Lawton, OK.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
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UPDATED: Feb 17, 2025
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Full Coverage in Lawton OK
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13,128 reviewsCompany Facts
Full Coverage in Lawton OK
A.M. Best Rating
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13,128 reviewsState Farm, Progressive, and Allstate are the best Lawton, OK auto insurance providers. These companies offer fairly competitive rates at $45 per month, reliable customer service, and fast claims processing.
Car insurance in Lawton is based on driving history, type of vehicle, and local accident rates, all of which impact premiums, State Farm and Allstate offer competitive rates, extensive coverage options, and excellent customer service for those seeking cheap auto insurance in Oklahoma.
Our Top 10 Company Picks: Best Lawton, OK Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Reliable Service | State Farm |
 | #2 | 10% | A+ | Budgeting Tools | Progressive |
 | #3 | 25% | A+ | Local Agents | Allstate |
 | #4 | 25% | A++ | Affordable Rates | Geico |
 | #5 | 20% | A | Local Expertise | Farmers |
 | #6 | 25% | A | Abundant Discounts | Liberty Mutual |
 | #7 | 10% | A++ | Military Benefits | USAA |
 | #8 | 20% | A+ | Safe Driving | Nationwide |
 | #9 | 25% | A | Family Discounts | American Family |
 | #10 | 13% | A++ | Extensive Features | Travelers |
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- State Farm has the best rates in Lawton, starting at $52 per month
- Lawton car insurance rates vary by local accident rates and theft risks
- Lawton insurers balance low premiums with fast claims processing
#1 – State Farm: Top Overall Pick
Pros
- Consistent Customer Satisfaction: State Farm provides reliable claims support and personalized coverage options, ensuring prompt assistance for Lawton drivers.
- Strong Financial Stability: State Farm’s economic stability in Lawton, OK, is reinforced by an A.M. Best rating, which provides customers with security.
- Competitive Bundling Discounts: To help drivers save, State Farm offers 17% bundling discounts for car and homeowners insurance in Lawton, OK.
Cons
- Higher Base Rates: State Farm’s insurance premiums in Lawton, OK, can be higher than those of other providers. Explore our State Farm Auto Insurance Review for more.
- Limited Discounts for Specific Groups: State Farm’s insurance discounts in Lawton, OK, are fewer for military members or senior citizens.
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#2 – Progressive: Best for Budgeting Tools
Pros
- Innovative Budgeting Tools: Progressive’s Snapshot program in Lawton, OK, assists customers by modifying their rates as they drive their vehicles.
- Extensive Discounts: Progressive offers a variety of car insurance discounts, such as bundling and safe driving, for drivers in Lawton, Oklahoma.
- Flexible Payment Options: Progressive’s flexible insurance payment plans help Lawton drivers manage premiums efficiently. Our Progressive Auto Insurance Review has more information.
Cons
- Mixed Customer Service Reviews: Some Lawton, OK policyholders have reported slower service when dealing with Progressive insurance claims.
- Higher Premiums for High-Risk Drivers: Progressive may charge higher insurance rates to drivers in Lawton, OK, who have a history of violations or accidents.
#3 – Allstate: Best for Local Agents
Pros
- Personalized Local Service: Allstate’s agents in Lawton, OK, provide customized insurance advice and services specific to the community.
- Comprehensive Range of Discounts: Allstate car insurance in Lawton, OK, provides discounts for good driving, signing early, and multiple vehicles.
- Exceptional Claims Service: Lawton residents benefit from Allstate’s efficient and effective insurance claims process. Read our Allstate Auto Insurance Review to learn more.
Cons
- Premiums May Be Higher for Younger Drivers: Allstate’s auto insurance premiums for younger drivers in Lawton, OK, can be higher than those of other companies.
- Additional Fees for Certain Services: Lawton, OK, policyholders may encounter extra fees for insurance policy changes or cancellations.
#4 – Geico: Best for Affordable Rates
Pros
- Highly Competitive Premiums: Geico’s cheap auto insurance rates in Lawton, OK, make it an excellent choice for budget-conscious drivers.
- Comprehensive Discount Options: Geico offers comprehensive discount options to customers in Lawton, OK, including discounts for bundling, safe driving, and military service.
- Strong Mobile App: Geico has a user-friendly app that enables Lawton drivers to manage their insurance policies and file claims on the go.
Cons
- Limited Local Agent Network: Geico has a minimal presence in Lawton, OK, and therefore, fewer local agents are available to offer personalized service.
- Fewer Premium Customization Options: Geico’s insurance plans in Lawton, OK, may lack competitors’ flexibility. Discover more in this Geico Auto Insurance Review.
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#5 – Farmers: Best for Local Expertise
Pros
- Expertise in Local Needs: Farmers have in-depth knowledge of Lawton, OK, which enables them to offer insurance products specific to the area’s needs.
- Wide Array of Insurance Options: Farmers also offers auto insurance, house insurance, and life policies to suit the various needs of individuals in Lawton, Oklahoma.
- Strong Community Presence: Farmers have a long-standing presence in Lawton, OK, offering insurance according to the local community’s needs.
Cons
- Higher-Than-Average Premiums: Farmers’ auto insurance costs in Lawton, OK, are higher than those of other companies. Farmers Auto Insurance Review elaborates on this further.
- Limited Online Tools: The Farmers’ website in Lawton, OK, lacks features that make it easier for customers to manage their insurance policies online.
#6 – Liberty Mutual: Best for Abundant Discounts
Pros
- Extensive Discount Options: Liberty Mutual offers a wide range of car insurance discounts for Lawton drivers, such as discounts for safe driving, bundling policies, and installing an anti-theft device.
- Flexibility in Coverage: Liberty Mutual’s auto insurance policies in Lawton, OK, offer flexible coverage options. For further details, check this Liberty Mutual Auto Insurance Review.
- Roadside Assistance Included: Liberty Mutual’s roadside assistance in Lawton, OK, adds value to its insurance plans and offers customers peace of mind.
Cons
- Claims Process Can Be Slow: Some Lawton policyholders have reported delays in processing insurance claims with Liberty Mutual.
- Higher Premiums for Young Drivers: Liberty Mutual typically charges higher insurance premiums for young drivers in Lawton, OK, as they have limited experience.
#7 – USAA: Best for Military Benefits
Pros
- Exclusive Military Benefits: As per our USAA Auto Insurance Review, the company offers exclusive discounts and benefits that reduce premiums for military members in Lawton, OK.
- A++ Financial Rating: USAA’s strong financial rating allows them to process insurance claims in Lawton efficiently.
- Excellent Customer Service: USAA’s reputation for providing great insurance customer service in Lawton, OK, ensures that military families are well-supported.
Cons
- Membership Restrictions: USAA’s insurance is only accessible to military families in Lawton and not the general public.
- Limited Physical Presence: USAA operates primarily online, which may be less convenient for those in Lawton, OK, who prefer face-to-face interaction.
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#8 – Nationwide: Best for Safe Driving
Pros
- Discounts for Safe Drivers: Nationwide’s safe driving discounts allow Lawton drivers to save on auto insurance by maintaining a clean driving record.
- SmartRide Program: Nationwide’s SmartRide program tracks driving habits in Lawton, OK, rewarding good drivers with additional insurance savings.
- Intense Claims Satisfaction: Nationwide provides an efficient Lawton insurance claims process that yields customer satisfaction. Read our Nationwide Auto Insurance Review to find out more.
Cons
- Higher Premiums for High-Risk Drivers: High-risk drivers may pay more due to their accidents or traffic violations.
- Fewer Discounts for Non-Drivers: Lawton residents who do not drive frequently may miss out on some of Nationwide’s best insurance discounts.
#9 – American Family: Best for Family Discounts
Pros
- Generous Family Discounts: American Family provides car insurance discounts to families in Lawton, OK, such as multi-vehicle and family coverage discounts.
- Customizable Coverage: American Family offers customizable auto insurance in Lawton, OK, allowing families to tailor their coverage to meet their needs.
- Strong Reputation for Customer Service: The American Family is known for providing exceptional customer service in Lawton. Explore further details in our American Family Auto Insurance Review.
Cons
- Premiums May Be Higher for Young Drivers: Young drivers in Lawton, OK, may face higher premiums for car insurance with American Family.
- Limited Mobile App Functionality: The American Family app in Lawton, OK, may lack certain features, such as bill payment or claim tracking.
#10 – Travelers: Best for Extensive Features
Pros
- Broad Range of Coverage Options: Travelers offers Lawton drivers a wide range of coverage options, including coverage for hybrid and electric vehicles.
- Competitive Discounts: Travelers have discounts on good driving and combining various insurance plans in Lawton, OK.
- Robust Claims Support: Travelers’ efficient insurance claims process in Lawton, OK, ensures quick resolution. For more insights, check our Travelers Auto Insurance Review.
Cons
- Premiums May Be on the Higher Side: Some Lawton, OK drivers may find Travelers’ car insurance premiums relatively high.
- Online Quote Process Can Be Lengthy: The Travelers’ insurance quote process in Lawton, OK, may take longer than that of other providers.
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Auto Insurance Costs in Lawton by Coverage Type
Rates vary between providers and type of coverage. Minimum coverage is cheaper in Lawton, OK. Therefore, more individuals opt for such protection. Minimum coverage is offered by companies like Progressive and American Family.
Lawton, OK Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $54 | $130 |
| $47 | $110 |
| $50 | $125 |
| $48 | $120 |
| $55 | $135 |
| $49 | $118 |
| $45 | $112 |
| $52 | $125 |
| $50 | $125 |
| $46 | $115 |
Full coverage car insurance is ideal for drivers seeking more extensive protection. Providers such as State Farm, Geico, and Liberty Mutual are top choices for full coverage in Lawton.
Auto Insurance Discounts in Lawton, OK: Top Provider Savings
Auto insurance providers in Lawton, OK, offer various discounts to help drivers save. Typical discounts include bundling policies, safe driving, and anti-theft devices.
Companies like Allstate and State Farm also provide incentives for good student discounts and multi-vehicle policies.
Auto Insurance Discounts From the Top Providers in Lawton, OK
| Insurance Company | Available Discounts |
|---|---|
| Safe Driving, Bundling, Paperless, Early Signing, Anti-theft, New Car, Multi-vehicle, Defensive Driving, TeenSMART, Smart Student |
| Bundling, Safe Driving, Vehicle Safety, Early Signing, Good Student, Multi-vehicle, Teen Driver, Low Mileage, Defensive Driving |
| Bundling, Safe Driving, Paperless, Anti-theft, Good Student, Early Signing, Multi-vehicle, Homeowner, Smart Student |
| Safe Driving, Bundling, Military, Multi-vehicle, Good Student, Defensive Driving, New Vehicle, Emergency Deployment, Anti-theft |
| Bundling, Safe Driving, New Car, Anti-theft, Early Signing, Multi-vehicle, Vehicle Safety, Defensive Driving, Homeowner |
| Bundling, Safe Driving, Good Student, Anti-theft, Defensive Driving, Multi-vehicle, Smart Ride, Early Signing, Vehicle Safety |
| Safe Driving, Bundling, Snapshot, Multi-vehicle, Good Student, Defensive Driving, Pay-in-Full, Paperless, Teen Driver |
| Safe Driving, Bundling, Good Student, Anti-theft, Defensive Driving, Multi-vehicle, Vehicle Safety, Teen Driver, Low Mileage |
| Safe Driving, Bundling, Early Signing, Good Student, Hybrid/EV, Defensive Driving, Multi-vehicle, Pay-in-Full, Homeowner |
| Military, Safe Driving, Bundling, Multi-vehicle, Good Student, Vehicle Safety, Defensive Driving, Teen Driver, Pay-in-Full |
USAA offers exclusive discounts for military members, while Geico and Progressive reward defensive driving. Many providers, such as Nationwide and Travelers, offer savings for early signing or vehicle safety features, allowing drivers to reduce their premiums.
Lawton, OK Auto Insurance Premiums: A Provider-by-Provider Breakdown
Auto insurance in Lawton varies by company; some charge more than others. Geico and USAA are the lowest-priced providers, and Liberty Mutual tends to be the highest-priced due to extra coverage options.
Average Monthly Auto Insurance Premiums in Lawton, OK by Provider
| Insurance Company | Monthly Premium |
|---|---|
| $110 |
| $98 |
| $115 |
| $88 |
| $120 |
| $105 |
| $102 |
 | $95 |
| $100 |
| $80 |
When comparing insurance premiums in Lawton, OK, it’s essential to look beyond the cost. Customer service and claims processing play a significant role in determining a policy’s overall value.
Customers can only claim free discounts within the limits set by the company. Therefore, it is essential to evaluate all aspects thoroughly.
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The Key Factors That Affect Auto Insurance in Lawton, Oklahoma
These factors affect your auto insurance rates, such as vehicle type, driving record, and credit score. Safe drivers and those with good credit typically receive lower premiums.
Your location also plays a role since accident-prone areas have higher costs. You are also rated based on the number of miles you drive each year and if you use your car for business purposes.
ZIP Code Impact on Car Insurance Costs in Lawton, OK
Lawton, Oklahoma, car insurance depends on population growth density and accidents. Low-density counties tend to pay lower premiums, as the risks of crashes are relatively lower.
Lawton, OK Auto Insurance by ZIP Code
| ZIP Code | Rate |
|---|---|
| 73501 | $123 |
| 73505 | $133 |
| 73507 | $127 |
| 73503 | $170 |
Reducing Insurance Costs with Anti-Theft Systems in Lawton, OK
Regardless of city size, auto theft remains a concern, and Lawton saw 229 thefts in 2013. To reduce this risk, installing passive anti-theft systems can help lower auto insurance premium costs and safeguard your vehicle.
Basic vs. Comprehensive Auto Policy Rates by Top Insurance Companies in Lawton, OK
| Insurance Company | Basic Coverage | Comprehensive Coverage |
|---|---|---|
| $90 | $160 |
| $85 | $150 |
| $95 | $165 |
| $80 | $145 |
| $100 | $175 |
| $88 | $155 |
| $87 | $150 |
| $85 | $140 |
| $90 | $155 |
| $75 | $130 |
Comprehensive coverage is vital for protection against theft. Insurers like Geico and State Farm offer competitive rates for comprehensive plans, which include theft coverage, compared to basic policies.
How Are Fatal Accidents and Insurance Costs Related
Fatal accidents in a region can drive up insurance premiums. In Lawton, 10 fatal accidents in 2013 likely contributed to higher rates.
Lawton, OK Fatal Accidents
| Category | Count |
|---|---|
| Fatal accident count | 10 |
| Vehicles involved in fatal crashes | 18 |
| Fatal crashes involving drunk persons | 2 |
| Fatalities | 10 |
| Persons involved in fatal crashes | 23 |
With 18 vehicles involved and two accidents linked to alcohol, insurers may consider these factors when setting premiums. Higher accident rates often lead to increased costs for local drivers.
How Are Credit Scores and Insurance Rates Related
Your credit score affects car insurance premiums. Those with excellent credit typically get cheap car insurance in Lawton, OK, while poor credit results in higher premiums. Insurers view credit scores as an indicator of risk.
Lawton, OK Auto Insurance Monthly Rates by Provider & Credit Score
| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
| $100 | $120 | $145 |
| $95 | $115 | $140 |
| $105 | $125 | $150 |
| $85 | $105 | $130 |
| $110 | $130 | $160 |
| $90 | $110 | $135 |
| $88 | $108 | $133 |
| $80 | $100 | $125 |
| $95 | $115 | $140 |
| $75 | $95 | $120 |
Premiums vary based on credit. Drivers with good credit enjoy the best car insurance rates in Lawton, while those with fair or poor credit face higher costs than them. It’s essential to compare offers to secure the most affordable option.
Age-Related Trends in Auto Insurance Pricing in Lawton
As drivers gain experience, auto insurance premiums tend to decrease. Younger drivers, however, are considered at higher risk due to their lack of knowledge, which raises their premiums compared to more experienced drivers.
Lawton, OK Auto Insurance Monthly Rates by Provider, Age, & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $350 | $400 | $180 | $200 | $120 | $130 | $100 | $110 |
| $340 | $390 | $175 | $195 | $115 | $125 | $95 | $105 |
| $360 | $410 | $185 | $205 | $125 | $135 | $105 | $115 |
| $320 | $370 | $170 | $190 | $110 | $120 | $90 | $100 |
| $370 | $420 | $190 | $210 | $130 | $140 | $110 | $120 |
| $330 | $380 | $175 | $195 | $115 | $125 | $95 | $105 |
| $325 | $375 | $172 | $192 | $112 | $122 | $92 | $102 |
| $310 | $360 | $165 | $185 | $105 | $115 | $85 | $95 |
| $335 | $385 | $177 | $197 | $117 | $127 | $97 | $107 |
| $300 | $350 | $160 | $180 | $100 | $110 | $80 | $90 |
Clean vs. Poor Driving Record Rates in Lawton, OK
A clean driving record usually translates into lower premiums. Insurers consider drivers with no violations or accidents to be less of a risk and thus charge more affordable rates. However, traffic violations increase car insurance rates.
Lawton, OK Auto Insurance Monthly Rates by Provider & Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $120 | $145 | $160 | $200 |
| $115 | $140 | $155 | $195 |
| $125 | $150 | $170 | $210 |
| $110 | $135 | $150 | $190 |
| $130 | $155 | $180 | $220 |
| $120 | $145 | $165 | $205 |
| $118 | $140 | $160 | $200 |
| $105 | $130 | $145 | $180 |
| $115 | $140 | $160 | $200 |
| $100 | $125 | $140 | $175 |
Some providers offer accident forgiveness, which can help reduce the rate hike following a first offense. It is a beneficial discount, but not all car insurance companies in Lawton offer it, so always check if this is an option to cut costs.
The Cost of Insuring Luxury Vehicles in Lawton
Luxury cars cost more to insure because their repairs and replacements are expensive. The more a car costs, the more it will cost to fix if it crashes, necessitating more extensive coverage. It translates into higher monthly premiums.
Lawton, OK Auto Insurance Monthly Rates by Vehicle & Coverage Level
| Make & Model | Minimum Coverage | Full Coverage |
|---|---|---|
| 2024 Buick Envision | $90 | $160 |
| 2024 Chevrolet Trailblazer | $85 | $150 |
| 2024 Ford Bronco Sport | $95 | $165 |
| 2024 Honda Passport | $92 | $158 |
| 2024 Hyundai Venue | $80 | $140 |
| 2024 Kia Soul | $78 | $138 |
| 2024 Mazda CX-5 | $88 | $155 |
| 2024 Nissan Kicks | $82 | $145 |
| 2024 Subaru Crosstrek | $87 | $153 |
| 2024 Toyota Corolla Cross | $84 | $148 |
If you’re driving a newer or more expensive vehicle, consider upgrading from basic to full coverage. Comprehensive coverage ensures that you are fully protected.
Bundling policies and maintaining a clean driving record are the key factors that can help unlock significant savings on auto insurance in Lawton, OK.
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Evaluating Lawton’s Auto Insurance: Risk and Rates
Lawton’s weather-related risk earns a B, with moderate weather risks. The average claim size also holds a B, aligning with state averages. Traffic density rates a B-, showing low to moderate congestion, which helps keep premiums reasonable.
Lawton, OK Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Weather-Related Risk | B | Moderate risk from weather-related incidents |
| Average Claim Size | B | Claims are consistent with state averages |
| Traffic Density | B- | Low to moderate traffic congestion |
| Vehicle Theft Rate | C+ | Slightly higher than national average |
| Uninsured Drivers Rate | C | Higher percentage of uninsured drivers |
The vehicle theft rate is slightly above average, earning a C+. The uninsured driver rate gets a C, reflecting a higher percentage of drivers without insurance. These factors shape Lawton’s auto insurance coverage.
Lawton’s Insurance Claims, Costs, and Risk Factors
Lawton experiences an average of 1,150 accidents, leading to around 900 claims. The average auto insurance cost in the city is approximately $8,500, reflecting the expense of repairs and medical bills after accidents.
Lawton, OK Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Accidents Per Year | 1,150 |
| Claims Per Year | Approx. 900 |
| Average Claim Cost | $8,500 |
| Percentage of Uninsured Drivers | 13% |
| Vehicle Theft Rate | 3.5 per 1,000 vehicles |
| Traffic Density | Low to moderate |
| Weather-Related Incidents | Moderate, primarily during storms |
Lawton’s uninsured drivers are 13%, slightly higher than the national average. The vehicle theft rate is 3.5 per 1,000 vehicles. Traffic density is low to moderate, and weather-related incidents occur primarily during storms.
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Top Picks for Affordable and Reliable Auto Insurance in Lawton, Oklahoma
To find the best Lawton, OK auto insurance, compare rates from several providers. Companies like State Farm and Progressive offer competitive rates and broad coverage. Bundling and safe driver discounts can further reduce your premiums.
Key factors for auto insurance in Lawton include driving history, vehicle type, and local accident statistics. Regularly reviewing your policy ensures your coverage stays affordable and meets your needs.
Discover competitive auto insurance quotes tailored for Lawton, Oklahoma. Enter your ZIP code in our comparison tool to find the best coverage options.
Frequently Asked Questions
How can I get accurate car insurance quotes in Lawton, OK, that suit my needs?
For accurate quotes, provide your driving history, vehicle details, and coverage preferences. Compare rates from different insurers online or through local agents to find the best cheap car insurance in Lawton.
Are there reliable car insurance agents in Lawton, OK, who specialize in finding the best coverage for drivers?
Many trusted agents in Lawton can help you navigate your local options, secure your best discounts, and craft a policy tailored to your driving habits and budget.
What key factors should I consider when comparing auto insurance quotes in Lawton, OK?
Compare quotes by considering the types of coverage, auto insurance deductibles, customer service, and available discounts. The policy should meet your specific needs while keeping the price competitive.
What are the most effective ways to find cheap auto insurance in Lawton, OK, while ensuring adequate coverage?
Shop around, compare quotes, and look for discounts like safe driving or bundling policies. Ensure the coverage adequately protects your vehicle and liability needs, even on a budget.
What makes State Farm in Lawton a popular choice among local drivers for auto insurance policies?
State Farm is popular for its competitive rates, reliable local agents, and wide range of coverage options. They also offer various discounts, including safe driver and bundling discounts.
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How do I qualify for cheap car insurance in Lawton, and what discounts are available to residents?
Keep a clean driving record, bundle policies, and inquire about local discounts. Discounts for safe driving, low mileage, and anti-theft device discounts can help lower premiums in Lawton.
Which company offers the cheapest car insurance in Lawton while maintaining a reliable claims process?
Progressive and Geico tend to have the lowest prices but have an excellent reputation for a good claims experience, so they’re great bets for low-cost insurance in Lawton.
How do local insurance providers in Lawton assess risks when setting premiums for drivers with varying histories?
Insurance providers assess risk based on your driving record, vehicle type, location, and credit score, adjusting premiums for higher-risk drivers.
What are the most common auto insurance options in Lawton, OK, and how do they differ in cost and coverage?
Standard options include liability, collision, and comprehensive coverage. Liability coverage is cheaper, while comprehensive and collision coverage offers broader protection at a higher cost.
What are Lawton’s top car insurance options for drivers looking for affordability and comprehensive coverage?
Providers like State Farm, Progressive, and Allstate in Lawton, OK, offer affordable full coverage with various discounts. Finding a balance between cost and sufficient protection is essential.