Reviewed October 26, 2026. Aircraft insurance cost needs to be read alongside the aircraft, pilots, intended use and coverage being quoted. A broad aircraft-category average or percentage of hull value does not establish the annual premium available for your submission.
This guide points to BWI’s model-specific, reviewed quote observations and explains how to use them. It does not provide a universal premium formula, a promised broker saving or an automatic discount for training, storage or deductible changes.
Start with a model-specific cost guide
The following existing guides contain reviewed annual quote observations dated June 4, 2025 through June 3, 2026. Each guide states its own hull-value bands, coverage terms, sample sizes, calculation method and limitations. Review those details before using a range for budgeting.
- Cessna 150 insurance cost
- Cessna 172 insurance cost
- Cessna 180 insurance cost
- Cessna 182 insurance cost
- Piper Cherokee insurance cost: separate PA-28-140 and PA-28-180 observations
These are selected comparable BWI offers, not a census of the market, premiums paid or guaranteed current rates. Multiple offers can relate to one request. The figures pool varied pilot profiles and do not establish a student-pilot rate, a particular experience-based rate or a price for every aircraft variant.
If your model, coverage or use falls outside a reviewed group, request an individual quote. We are not filling missing groups with unsupported aircraft-category averages.
Identify the aircraft and value being insured
Provide the exact model, year, registration, equipment and configuration requested on the application. Review the proposed insured hull value with BWI and provide supporting valuation information when requested.
Differences in insured value change the coverage request. The reviewed observations do not support a rule that doubling the hull value doubles the total premium, or that one fixed percentage of value applies to every piston, turbine or jet aircraft.
Compare physical damage and liability together
Check whether a proposal includes flight coverage, ground-only physical damage or another stated basis. Compare the deductibles applicable in motion and not in motion, plus any operational conditions.
For liability, compare the total limit and passenger sublimits rather than the headline amount alone. Ask about exclusions, endorsements and restrictions. A smaller premium for different coverage is not a like-for-like saving.
Keep pilot and operational information current
Provide the requested experience, ratings, recent flying, training and loss history for each proposed pilot. Explain the use, base, storage and operating areas accurately. Disclose instruction, rental, commercial or other proposed activities rather than assuming they fit the same wording as personal flying.
Ask which pilots are approved and what training, instructor, timing or documentation requirements apply. A rating or course completion does not automatically establish acceptance or a fixed discount. The reviewed data does not rank one underwriting factor above all others or quantify a universal claim-related surcharge.
Distinguish premium from a payment plan
Compare full annual premiums over equivalent periods. Identify fees, financing charges and installment amounts separately. A monthly payment is not the full annual policy price.
If the coverage, dates, aircraft value, pilots or use changes, review those differences before calculating a price change. An unrelated group of quote offers cannot establish a matched renewal trend or a forecast for the entire market.
Review alternatives without assuming savings
Ask BWI to explain available proposals for the coverage you want. If you consider another deductible, limit or coverage basis, request the actual revised terms and discuss what changes in the protection and costs retained by you.
Use the aircraft insurance quote-comparison worksheet to organize proposals. It does not calculate an insurer’s premium from a generic rate.
Get terms for your aircraft
Request an aircraft insurance quote, call 800-666-4359 or email [email protected]. Review the policy, exclusions, endorsements and conditions when coverage is arranged. Requesting a quote does not bind coverage; coverage is not effective until confirmed in writing.
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