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 privately owned Cessna 172, an owner’s aircraft used during training and an aircraft operated by a flight school are different insurance requests. Start by explaining who owns the aircraft, who will fly it and how it will be used.
What the private-use quote sample covers
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.
Explain the training arrangement
If you are learning to fly in an aircraft you own, tell BWI your training stage, the planned instructor arrangements and who will operate the aircraft. Ask the team to review the pilot and use conditions in the proposed coverage, including any applicable conditions for solo flying.
The reviewed private-use sample is not a student-pilot price table. It does not establish a required flight-hour threshold, a fixed percentage surcharge or an automatic reduction at the next renewal.
If an owner is also an instructor, explain whether the aircraft will be used for instruction, who will receive it and whether there is a rental or other commercial arrangement. Do not assume the description of a private pleasure-and-business quote fits every instructional activity.
If you rent an aircraft
Ask the aircraft provider what its policy and rental agreement say about your responsibilities, and discuss those terms with BWI. Do not assume that the provider’s aircraft policy settles every insurance question for the person flying it.
For a non-owned aircraft request, start with aircraft renters insurance. Provide the type of flying you plan to do and any relevant agreement or coverage requirements. An owner’s hull-and-liability quote and a renter’s request should not be treated as the same product or price.
If you operate a flight school
Use BWI’s flight school insurance page to describe the business. Explain the aircraft, pilots, student activity, rental arrangements and other operations that need review. The private-use figures above do not provide a flight-school premium estimate.
For instructional work, BWI’s CFI insurance page provides another starting point for discussing the instructor’s request. Ask the team how the relevant aircraft, business and individual requests should be reviewed together.
Avoid unsupported trend claims
The reviewed quote window does not prove a market-wide rise or fall in premiums. It also does not isolate the effect of pilot training, aircraft storage or a particular rating. Any comparison over time needs consistent coverage terms and comparable aircraft and pilot information.
Use a dated quote range as background, then request terms for the actual aircraft and operation. Review the limits, deductibles, pilot conditions and policy wording before relying on the offer.
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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