skip to main content
Travelers Logo
  • About
  • Careers
  • Agents
  • Investors
  • Sustainability
  • Contact Us

Register now
Problems logging in?
  • For Individuals
    • Overview
    • Products
      • Car
      • Home
      • Renters
      • Condo
      • Landlord
      • Boat & Yacht
      • Travel
      • Pet
      • Weddings
      • Umbrella
      • All Products
    • Prepare & Prevent
      • Insurance 101
      • Home Central
      • Travelers Garage
      • Managing Through COVID-19
    • Affinity Group Discount
    • Online Service
    • Pay Your Bill
      • Get a Quote
      • Find an Agent
      • Report a Claim
      • Pay Your Bill
  • For Business
    • Overview
    • Products & Solutions
      • Overview
      • Boiler & Machinery
      • Commercial Auto & Trucking
      • Cyber
      • Environmental Liability
      • Excess Casualty & Umbrella
      • General Liability
      • Global Insurance
      • Inland Marine
      • Management & Professional Liability
      • National Programs
      • Ocean Marine
      • Property
      • Small Business Owner's Policy
      • Surety Bonds
      • Workers Compensation
        • Find an Agent
        • Report a Claim
        • Pay Your Bill
    • Industries
      • Overview
      • Agribusiness
      • Architects, Engineers & Surveyors
      • Auto & Truck Dealers
      • Business & Professional Services
      • Construction
      • Education
      • Energy & Renewable
      • Equipment Dealers
      • Financial Institutions
      • Food Services
      • Health & Related Services
      • Hospitality & Recreation
      • Manufacturing
      • Marine Industries
      • Museums & Fine Art
      • Non-Profit
      • Oil & Gas
      • Public Entities
      • Real Estate
      • Retail
      • Technology
      • Transportation
      • Wholesale & Distribution
        • Find an Agent
        • Report a Claim
        • Pay Your Bill
    • Services
      • Overview
      • Risk Control
      • Claim
      • Premium Audit
      • Online Customer Tools
      • Risk Management Information Services
      • Travelers Client Advantage
        • Find an Agent
        • Report a Claim
        • Pay Your Bill
    • Small Business
      • Overview
      • Automobile Insurance
      • Business Owner's Policy
      • Data Breach
      • Employment Practices Liability
      • Professional Insurance
      • Umbrella Insurance
      • Workers Compensation Inurance
        • Find an Agent
        • Report a Claim
        • Pay Your Bill
    • Large Business
      • Overview
      • Casualty
      • Cyber
      • Management & Professional Liability
      • Property
        • Find an Agent
        • Report a Claim
        • Pay Your Bill
    • Multinational Business
    • Prepare & Prevent
      • By Topic
      • By Industry
      • Navigating Your Business Through COVID-19
        • Find an Agent
        • Report a Claim
        • Pay Your Bill
      • Find an Agent
      • Report a Claim
      • Pay Your Bill
  • Claim Center
    • Claim Center
    • Should I File a Claim?
    • Report a Claim
    • Roadside Assistance
    • Find a Service Provider
    • Check Your Claim Status
    • Manage Your Claim Experience
      • Claim Reporting Next Steps
      • Claim Guide Library
      • Workers Compensation Resources
    • Claim Capabilities
      • Get a Quote
      • Find an Agent
      • Report a Claim
      • Pay Your Bill
  • Prepare & Prevent
    • For Individuals
    • Home Central
      • Buying & Selling
      • Home Maintenance
      • Home Renovation
      • Home Safety
      • Moving
      • Smart Home
    • Travelers Garage
      • Buying & Selling
      • Car Maintenance
      • Distracted Driving
      • Safe Driving
      • Teen Driving
      • Boating
    • Insurance 101
    • Weather
    • For Business
    • Industries
      • Construction
      • Manufacturing
      • Nonprofit
      • Small Business
      • Technology
    • Topics
      • Business Continuity
      • Cyber
      • Driver and Fleet Safety
      • Facilities Management
      • Internet of Things
      • Product and Services Liability
      • Supply Chain Management
      • Workplace Safety
    • Travelers Risk Index
      • Get a Quote
      • Find an Agent
      • Report a Claim
      • Pay Your Bill
  • About Travelers
    • Overview
      • Awards & Recognition
      • Careers
      • Community
      • Diversity & Inclusion
      • Sustainability
      • History
      • Investors
      • Media Resources
      • News
      • Travelers Championship
      • Travelers Institute
      • Get a Quote
      • Find an Agent
      • Report a Claim
      • Pay Your Bill
    • Get a Quote
    • Find an Agent
    • Report a Claim
    • Pay Your Bill
Main Navigation
  • For Individuals
      • Insurance for Individuals
      • Products
        • Car
        • Home
        • Renters
        • Condo
        • Landlord
        • Boat & Yacht
        • Travel
        • Pet
        • Weddings & Events
        • Umbrella
        • More
      • Prepare & Prevent
        • Insurance 101
        • Home Central
        • Travelers Garage
      • Affinity Group Discount
      • Online Service
      • Pay Your Bill
    • Get a home quote now

      It's easy to get a free quote for home insurance from Travelers in just a few minutes.

       

      Get a home quote now
  • For Business
      • Products & Solutions
        • Commercial Auto & Trucking
        • Cyber
        • General Liability
        • Management & Professional Liability
        • Property
        • Small Business Owner's Policy
        • Surety Bonds
        • Workers Compensation
        • More
      • Industries
        • Construction
        • Energy & Renewable
        • Financial Institutions
        • Healthcare
        • Manufacturing
        • Real Estate
        • Technology
        • Transportation
        • More
      • Prepare & Prevent
      • Services
        • Risk Control
        • Claim
        • Premium Audit
        • More
      • Pay Your Bill
      • Small Business
      • Large Business
      • Multinational Business
      • For Business Overview
    • Tips for Managing Risks Related to a Remote Workforce

      Tips for Managing Risks Related to a Remote Workforce

      With the current reality of more employees working from home through the pandemic, is your business ready for all the implications?

      Learn more
  • Claim Center
      • Claim Center
      • Should I File a Claim?
      • Report a Claim
      • Roadside Assistance
      • Find a Service Provider
      • Check Your Claim Status
      • Manage Your Claim Experience
        • Claim Reporting Next Steps
        • Claim Guide Library
        • Workers Compensation Resources
      • Claim Capabilities
    • Send us your receipts, photos, invoices and more with just a push of a button.

      Securely share information with your Claim team.

      Send us your receipts, photos, invoices and more with just a push of a button.

      Upload a File
  • Prepare & Prevent
      • For Individuals
      • Home Central
        • Buying & Selling
        • Home Maintenance
        • Home Renovation
        • Home Safety
        • Moving
        • Smart Home
      • Travelers Garage
        • Buying & Selling
        • Car Maintenance
        • Distracted Driving
        • Safe Driving
        • Teen Driving
        • Boating
      • Insurance 101
      • Weather
      • For Business
      • Industries
        • Construction
        • Energy
        • Manufacturing
        • Nonprofit
        • Small Business
        • Technology
      • Topics
        • Business Continuity
        • Cyber
        • Driver and Fleet Safety
        • Facilities Management
        • Internet of Things
        • Product and Services Liability
        • Supply Chain Management
        • Workplace Safety
      • Travelers Risk Index
    • Managing Through COVID-19

      Managing Through COVID-19

      Resources to help you adapt to the realities of COVID-19.

      Learn more
  • Home
  • Car Insurance
  • Coverage
  • Deductibles and Limits
Get a Quote
Auto

INDIVIDUAL

COMBINE & SAVE

CANCEL CONTINUE
Or Call 1.888.695.4625 1.555.555.5555 1.777.777.7777 1.888.342.5977 1.844.754.0044 1.855.656.3103 to get a quote. Retrieve a saved quote
Find an Agent Log in to MyTravelers®

Travelers is proud to work with the finest Independent Agents

Travelers customer? Log in to MyTravelers®

Car Insurance Deductibles and Liability Limits

[SPEAKER] >> Car insurance deductibles.

They’re a consideration when you’re choosing insurance for your vehicle. But what is a car insurance deductible and how does it work?

 Generally, a deductible is the amount you’re responsible to pay when a covered loss occurs.

For example: Say you have a $1,000 deductible but have $2,000 in covered damages. You’re responsible for the first $1,000 of damages and your insurance company is responsible for the other $1,000 of covered damages.

Collision and Comprehensive are the two most common coverages with a deductible.

Collision – This coverage helps pay for damage to your vehicle if it hits another car or object or is hit by another car.

Comprehensive – This coverage helps pay for damages that are not caused by a collision, like fire, theft, or weather.

There are also some other things to know about deductibles.

There are no deductibles for liability insurance – the coverage that pays the other person when you cause an accident.

Car insurance deductibles apply to each accident that you’re in. For example, if you get into three accidents in a policy period and have a $500 deductible, you’ll typically be responsible for $500 for each claim.

There are many options around car insurance deductibles.

Talk to your Travelers representative or independent agent about the best way to cover your vehicle.

[sonifcation]

What is a Car Insurance Deductible?

Your car insurance deductible is the amount you'll be responsible for paying towards the costs due to a loss before your insurance coverage pays. The lower the deductible, the less you'll pay out of pocket if an incident occurs. For example, if you choose a $1,000 car insurance deductible and have a covered loss that causes $2,000 in damage to your car, you would be responsible to pay the first $1,000.

Selecting a higher deductible may lower your car insurance premium. But it is important to choose a deductible you can afford in the event of a loss. Talk to your local independent agent or Travelers representative about the deductible options available to you.

When Do You Pay an Auto Insurance Deductible?

Anytime you go to your own insurer to file a claim for damage to your covered automobile, a deductible will apply – whether you are at fault or not. Deductibles most commonly apply to comprehensive and collision coverage, but there may be a deductible for Personal Injury Protection (PIP) coverage or uninsured/underinsured motorists property damage coverage as well.

What Are Liability Limits and How Do They Work?

Your car insurance liability coverage limits, also referred to as limit of liability, are the most your insurance will pay to another party if you are legally responsible for an accident. Choosing a higher limit provides you more protection if an accident occurs.

Coverage limits may vary by coverage type and state. Contact your local independent agent or Travelers representative to learn about the coverages and liability limit that is right for you.

What are Personal Liability Umbrella Policies and Are They Required?

An umbrella policy is additional liability coverage over and above the limits of your car insurance policy. Umbrella policies are not required and available coverage limits and eligibility requirements may vary by state.

   

Other Standard Coverages

Liability Coverage

Comprehensive Coverage

Collision Coverage

Personal Injury Protection (or No-fault Insurance)

Uninsured/Underinsured Motorist Coverage 

Medical Payments Coverage



Optional Coverages

Loan/Lease Gap Insurance

Rental Coverage

Roadside Assistance

New Car Replacement

Accident Forgiveness

 

If You Bundle Your Policies, You Could Save Up to 13% on Car Insurance

If You Bundle Your Policies, You Could Save Up to 13% on Your Car Insurance

When you bundle your car and home with Travelers you could save up to 10%¹ on your car insurance. There may be additional savings when you purchase other policies like boat, umbrella insurance or a personal articles floater.

  • Find out more
Travelers logo

Travelers and The Travelers Umbrella are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries.
© 2021 The Travelers Indemnity Company. All rights reserved.

  • Travelers on Facebook
  • Travelers on YouTube
  • Travelers on Twitter
  • Travelers on LinkedIn
  • Travelers on Instagram

Products & Services

  • For Individuals
  • For Businesses
  • Claim Services
  • Prepare & Prevent

Our Company

  • About Travelers
  • Careers
  • Investors
  • Sustainability

Connect

  • Customer Support
  • MyTravelers®
  • For Agents
  • Find an Agent

Legal & Compliance

  • Terms of Service
  • Privacy & Security
  • Accessibility
  • Producer Compensation Disclosure

The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts, deductibles and other features are subject to individuals meeting our underwriting criteria and state availability. Not all features available in all states. Discounts may not apply to all coverages and/or vehicles. 

Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Tower Square, Hartford, CT 06183. In TX: Automobile insurance is offered by Travelers Texas MGA, Inc. and underwritten by Consumers County Mutual Insurance Company (CCM). CCM is not a Travelers Company. In CA: Travelers Commercial Insurance Company, One Tower Square, Hartford, CT 06183. Certificate of Authority # 6519; State of Domicile: Connecticut and Travelers Property Casualty Insurance Company, One Tower Square, Hartford, CT 06183. Certificate of Authority # 6521; State of Domicile: Connecticut. In CA: Boat and Yacht insurance is underwritten by The Standard Fire Insurance Company, One Tower Square, Hartford, CT 06183, Certificate of Authority # 3545, State of Domicile: Connecticut. ©2020 The Travelers Indemnity Company.

110% savings on auto insurance (7% in Texas and Oklahoma) when you buy a Travelers home insurance policy.