Updated October 26, 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.
When comparing Cessna 172 prices in 2026, start with what the figures actually represent. BWI’s reviewed data contains annual insurer offers. It does not show what every owner paid, a guaranteed market rate or the cost of every type of 172 operation.
The reviewed annual quote ranges
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.
How to read the sample
The two insured-value bands contain 40 and 24 offers respectively, for 64 offers in total. One insurance request can produce more than one insurer offer; 64 offers does not mean 64 independent customers or issued policies. The sample includes two insurer sources, with insurer names and customer details omitted.
The typical range covers the middle 80 percent of offers in each group, using the 10th and 90th percentiles rounded outward to $50. Valid offers outside that range remain part of the sample. The main cost guide also reports the rounded median and average.
Identical repeats were removed. Records with unresolved conflicting revisions or insufficient coverage information were withheld. These are descriptive observations from BWI’s reviewed sample, not a survey of the entire aviation insurance market.
What these figures cannot show
The sample pools varied pilot profiles; it does not hold every underwriting detail constant. It cannot establish a student-pilot surcharge, a premium for a particular flight-hour total, a fixed training discount or a separate smooth-liability rate.
A single reviewed date window also does not establish whether market prices are rising or falling. That requires comparable observations across periods. Do not use these ranges as evidence of a market-wide trend.
Rental, flight-school and other commercial-use prices are outside the stated sample. Ask BWI for a separate quote that describes the actual operation rather than multiplying the private-use figure by an assumed factor.
Compare coverage before comparing price
Keep the insured value, hull coverage, liability structure, passenger limit, deductibles, permitted use and pilot conditions beside each offer. The $100,000 per-passenger limit in this sample is part of the liability structure; these figures should not be described as quotes without a passenger sublimit.
If you want another liability structure or deductible, ask BWI to review that request separately. The sample does not establish which limits are suitable for your circumstances or promise a saving from a particular change.
Prepare a quote for your aircraft
Provide the exact year and model, requested insured value, configuration, intended use and pilot information. Share your current policy or another offer if you want the team to identify differences in the coverage requests. Review the actual policy wording and proposed conditions before relying on an 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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