The Cirrus SR22 is today’s most advanced and popular high-performance piston aircraft in general aviation. With speeds over 180 knots, top-tier avionics, and the life-saving CAPS parachute system, the SR22 isn’t just an airplane—it’s a commitment to performance, safety, and innovation.
But flying a performance aircraft means you need more than just any insurance policy—you need a policy that understands what you’re flying.
BWI Aviation Insurance has insured thousands of Cirrus pilots over the last 40+ years. From first-time owners to CFIs, club members, and business operators, we’ve seen every use case and quoted every A-rated underwriter in the Cirrus space.
Whether you’re flying a G2, G3, G5, or the latest SR22T G7 with Flight Into Known Icing (FIKI), we’ll help you build a policy that reflects your exact mission and qualifications.
Why Pilots Trust BWI with Their SR22 Insurance
- 40+ years in aviation insurance
- We’ve insured thousands of Cirrus owners and SR-series pilots
- Over 700 5-star Google reviews
- Same-day quotes available in many cases
- Policies built for both personal and business use
- Commercial or instructional use endorsements are available
- Access to every Cirrus-experienced A-rated carrier
- Advanced quoting technology through iFlyQuote.com
Our proprietary quoting platform, iFlyQuote, helps us get faster, cleaner, and more accurate quotes and is used not just by our team, but by dozens of brokers across the country.
Cirrus SR22 Insurance Coverage Options Built Around Your Aircraft
We offer full customization for:
- Physical Damage (Hull Coverage): Agreed-value protection with no depreciation
- Liability Coverage: $1M per occurrence / $100K per passenger (or smooth CSL limits up to $5M+)
- Medical Payments: $5K–$10K standard, with higher options available
- Smooth Liability: For qualified pilots based on hours, training, and mission profile
- Open Pilot Warranties: Available for additional qualified pilots
- Instructor or Commercial Use Endorsements: If applicable
- Additional Insured Certificates: For lenders or ownership entities
- Coverage for equipment such as oxygen, FIKI systems, and advanced avionics
Real-World Cirrus SR22 Insurance Examples
These rates come from actual BWI clients and reflect current premiums based on aircraft value and pilot profiles.
Example 1: Private Pilot | $250,000 Hull Value | 100 hrs in Make/Model
- Annual Premium: $4,860
Example 2: IFR Rated Commercial Pilot | $400,000 Hull | 250 hrs SR22
- Annual Premium: $6,180
Example 3: High Net-Worth Owner | $650,000 Hull | 1,000+ hrs, CSIP-trained
- Annual Premium: $8,745
Example 4: ATP, 2,000+ hrs Total Time | $850,000 Hull | SR22T, FIKI equipped
- Annual Premium: $9,480
Example 5: Student Pilot in CSIP program | $300,000 Hull | 0 hrs Make/Model
- Annual Premium: $7,920
Example 6: Flying Club SR22 | Renter Policy, $1M Liability, $50K Aircraft Damage
- Annual Premium: $735
BWI’s Streamlined Quote Process
Our process is built to get Cirrus pilots covered quickly and correctly:
- Submit basic info online or via phone
- Our admin team verifies pilot credentials, aircraft details, and mission profile
- We quote all A-rated Cirrus carriers using iFlyQuote technology
- You receive a clean, accurate, fully explained quote (usually within 24 hours)
Transitioning Pilots & SR22 Owners
Many SR22 pilots are transitioning from SR20s, Bonanzas, or other complex aircraft. We help you:
- Present dual instruction and CSIP training for credit
- Document sim time and recurrent sessions
- Maximize make/model hours for better rates
- Secure smooth liability where qualified
- Navigate financing and trust/LLC structures
We also support instructors flying SR22s for dual and checkouts with the appropriate endorsements.
Cirrus SR22 Insurance FAQs
Can I get insured if I’m new to the SR22? Yes. Structured training and supervised transition programs (like Embark or CSIP) help minimize minimum time requirements.
Is SR22T insurance more expensive? Yes. Turbocharged aircraft and FIKI systems tend to raise premiums, but with proper experience and training, it remains competitive.
Can I get smooth liability coverage? Yes. Pilots with 1,000+ TT and significant SR22 time often qualify for $1M to $5M CSL limits.
Do you offer non-owned SR22 coverage? Absolutely. Renters and club pilots can get up to $1M in liability and optional aircraft damage protection.
Can I title my SR22 to an LLC or trust? Yes. We support legal entities and work closely with underwriters to ensure clean ownership and pilot usage documentation.
How long does it take to get a quote? Most quotes are returned in 24 hours or less. Complex submissions or high-value aircraft may require 1–2 business days.
Why BWI Is the Best Partner for Cirrus SR22 Owners
- 40+ years in aviation insurance
- Over 700 5-star reviews from pilots just like you
- Proprietary tech for faster, more accurate quoting
- Full support team to manage binders, renewals, and endorsements
- Real people who know aviation and no call centers
We help you get insured and stay insured—with clarity and confidence.
Get Your SR22 Quote Started Today
Whether you’re transitioning into a new SR22, insuring your turbocharged G7, or flying your aircraft for personal business—we’re here to help you quote faster, smarter, and with full confidence.
Call (800) 666-4359 or click below to request your custom Cirrus SR22 insurance quote.
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