Updated October 25, 2026. The quote observations below are dated June 4, 2025 through June 3, 2026. They are historical offers, not guaranteed current rates or premiums paid.
A Cessna 172 ownership budget needs a quote for the actual aircraft, pilots and operation. A published range can provide context, but it is not a substitute for an offer with the coverage terms you request.
Put the reviewed premium range in context
In the reviewed BWI sample, the typical annual premium range was $700–$1,250 for fixed-series Cessna 172 aircraft insured for $50,000 to under $100,000, and $1,200–$1,700 for insured values of $100,000 to under $200,000.
These examples include full-flight hull coverage, pleasure and business use, $1 million liability per occurrence with a $100,000 per-passenger limit, and $0 in-motion and not-in-motion hull deductibles. They pool varied pilot profiles. They are not smooth-liability, student-specific, rental or flight-school rates, and exclude R172 and 172RG models.
See the Cessna 172 insurance cost guide for sample sizes, medians, averages and the calculation method. That guide is the main reference for the reviewed pricing figures.
Build the insurance line of your ownership budget
Record the full annual quoted premium separately from any monthly financing payment. Ask BWI to explain any applicable fees or financing charges. A monthly payment and an annual premium are different budget entries.
Also record the proposed insured value, liability structure, deductibles and coverage period. If you are comparing two offers, keep those entries beside each premium. A lower price for a different insured value or permitted use is not a like-for-like comparison.
The reviewed figures do not establish a formula such as a fixed percentage of hull value plus a standard liability fee. Nor do they establish a fixed discount for storage, training, ratings or a higher deductible.
Review the aircraft value and operation
Give BWI the exact model and year, requested insured value, configuration, storage arrangements and planned use. Explain any instruction, rental, leaseback, business or other activity. The private-use sample above should not be extended to those other operations as a pricing estimate.
When reviewing an aircraft purchase, ask for a quote tied to that aircraft and the pilots who will fly it. Do not assume that the seller’s premium, a friend’s policy or a quote for another 172 transfers to your situation.
Keep pilot information accurate
Provide the certificates, ratings, total time, recent flying and time in the aircraft for each pilot. Discuss any training arrangements or conditions shown in the proposed coverage. The reviewed data does not support a price table for specific pilot experience levels.
Ask which changes to your request would change the available terms. If another deductible or coverage structure is offered, compare the new terms alongside the premium rather than assuming a particular percentage saving.
Questions to bring to a quote review
- Does the offer describe the correct aircraft, pilots and operation?
- What hull coverage and insured value are quoted?
- What liability and passenger limits apply?
- What deductibles, pilot conditions or training requirements are stated?
- What is the annual premium, and when does the offer expire?
Ownership, renter and flight-school requests are different situations. If you will fly someone else’s aircraft, start with BWI’s aircraft renters insurance page and discuss the applicable agreements and insurance terms with the team.
Ask BWI to review your request
Request an aircraft insurance quote, call 800-666-4359, or email [email protected]. Include the aircraft details, intended use, pilot information and preferred effective date. Requesting a quote does not bind coverage.
General coverage reference: Aircraft insurance cost factors and coverage overview. This is background information, not an identification of the insurers in BWI’s sample. The actual policy wording controls.
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