The Cirrus SR20 isn’t just a training platform—it’s a symbol of progress in general aviation. With advanced avionics, a sleek airframe, and Cirrus’s signature safety system (CAPS), the SR20 attracts students, instructors, and owners who are serious about doing things right.
But no matter how advanced your aircraft is, the wrong insurance policy can leave you under-protected and overpaying.
That’s where we come in.
At BWI Aviation Insurance, we’ve helped insure thousands of Cirrus aircraft and the SR20 is right at the heart of that expertise. Whether you’re logging your first hour or flying 100+ hours annually, we’ll help you get fast, affordable, expert-built coverage that’s designed to fit how—and what—you fly.
Why BWI Is the #1 Choice for Cirrus SR20 Insurance
BWI is a third-generation, family-owned aviation insurance agency that’s been serving pilots and aircraft owners for over 40 years. We’re still 100% independent, and aviation insurance is all we do.
We’ve insured thousands of Cirrus aircraft owners and SR20 pilots, and we’re proud to have earned over 700 5-star Google reviews from real clients across the country. Our proprietary quote technology, iFlyQuote.com, is used not only by our own team but by dozens of brokers around the country to deliver fast, accurate, and reliable aviation insurance quotes.
With BWI, you get:
- Same-day quotes available in many cases.
- Fast support from real aviation insurance experts
- Access to every Cirrus-eligible A-rated aviation insurance carrier
- Transparent pricing, no gimmicks, and no hidden fees
Cirrus SR20 Insurance Coverage Options
We customize every quote based on how you fly. Coverage options include:
- Physical Damage (Hull Coverage): Agreed-value, no depreciation
- Liability Coverage: $1M per occurrence / $100K per passenger (or smooth liability, if eligible)
- Medical Payments Coverage: $5K–$10K standard, higher available
- Flight Training Coverage: CSIP, Embark, simulator, and dual-time credit accepted
- Open Pilot Warranties (OPW): Coverage for other pilots flying your aircraft
- Non-Owned Aircraft Liability: For renters, club members, and instructors
- Instructional Use Endorsements: For CFIs and flight schools
- Hangared Aircraft Discounts: Available in most states
- Optional Additional Insured Endorsements: For lienholders or clubs
Real-World Cirrus SR20 Insurance Examples
To help you get a sense of what to expect, here are actual quotes from our internal database of current BWI clients:
Example 1: Student Pilot | $150,000 Hull Value | Private Pilot, 0 hrs in Make/Model
- Coverage: $1M/$100K liability, $10K medical, full hull
- Annual Premium: $5,250
Example 2: 300-Hour Private Pilot | $200,000 Hull | IFR Rated, 25 hrs in SR20
- Coverage: Full flight, $1M/$100K, smooth liability available
- Annual Premium: $3,880
Example 3: 600-Hour Commercial Pilot | $250,000 Hull | CSIP Trained, 100 hrs in Make/Model
- Coverage: $1M CSL (smooth), $10K medical, instructional use endorsement
- Annual Premium: $4,775
Example 4: Renter Policy | No Hull | ATP w/ 3,000 Hours | Flying Club SR20
- Use: Non-owned aircraft coverage
- Coverage: $1M liability, $25K aircraft damage, $5K deductible reimbursement
- Annual Premium: $612
Example 5: High Net-Worth Private Owner | $350,000 Hull Value | 1,000+ hrs, G1000 Panel
- Use: Business and personal
- Coverage: $1M smooth liability, additional insured endorsement, full hull
- Annual Premium: $5,990
Example 6: CFII Operating Flight School SR20 | $275,000 Hull | Multiple Instructors
- Use: Instruction and rental
- Coverage: Declared commercial use, $1M/$100K, Open Pilot Warranty
- Annual Premium: $7,860
These are real, current examples—but every pilot’s profile is different. We’ll help you build your best case and match you to the right carrier.
How BWI Streamlines the Quote Process
Our streamlined quote process starts with a quick intake call or form submission. From there:
- Our admin team verifies pilot details and aircraft info
- We submit your quote to every A-rated Cirrus underwriter
- We return a detailed quote—usually within 24 hours
- We walk you through options, help with binders, and support you at every renewal
Our quoting platform, iFlyQuote, is trusted by other brokers nationwide and helps us turn around SR20 quotes quickly—even for new students or complex transitions.
New Owners and Transitioning Pilots
We specialize in working with new Cirrus owners and student pilots. If you’re transitioning into the SR20 or just starting your training, here’s how we help:
- We accept CSIP and Embark training as a strong underwriting advantage
- Simulator time and dual time can count toward required hours with many carriers
- No minimum time required for structured programs
- We’ll advise you on how to improve eligibility and reduce rates year over year
- Full coordination with lenders if financing is involved
We also help owners exploring LLC or trust ownership navigate the documentation required to satisfy underwriters and lienholders.
Cirrus SR20 Insurance FAQs
Can I get insured as a student pilot? Yes. We write student-friendly Cirrus policies with no minimum time required when training is structured and logged. CSIP and Embark participation helps tremendously.
How does the CAPS system impact rates? CAPS often results in reduced deductibles or premium credits with some carriers due to improved safety outcomes.
Will simulator and dual instruction count? Yes—when verified. We advocate for you and help present all training hours in the most favorable way to underwriters.
Can I insure a rented or flying club SR20? Absolutely. We write non-owned liability and renters coverage for dozens of SR20 pilots each year.
How long does a quote take? Most quotes are returned within 24 hours. If transitioning into Cirrus, it may take 1–2 business days depending on training and experience.
Can I bundle aircraft with my SR20? We can insure up to 4 aircraft on one policy, but aviation insurance does not include bundling discounts like home or auto.
Do you offer coverage for SR20s in LLCs or trusts? Yes. We regularly insure aircraft titled to LLCs, partnerships, and trusts—as long as use and pilot access are clearly documented.
Do you offer coverage for CFIs using an SR20 for dual instruction? Yes. We work with CFIs and flight schools and can endorse policies for declared instructional use.
What Makes BWI Different?
- We’ve helped thousands of Cirrus pilots get covered
- We’re backed by 700+ 5-star Google reviews
- Our proprietary iFlyQuote platform speeds up the entire process
- We’re 100% aviation-focused
- You’ll never talk to a call center—just real, trained aviation insurance pros
- Our admin team supports every step from quote to renewal to binder issuance
Call Us Today for a Custom Cirrus SR20 Quote
Whether you’re in your first 5 hours or your 500th, we’ll help you get covered—with clarity, speed, and full transparency.
Call (800) 666-4359 or click below to request your custom Cirrus SR20 quote today.
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