The Cirrus SR22 is one of the most advanced piston aircraft ever built. With speeds over 180 knots, integrated avionics, and the Cirrus Airframe Parachute System (CAPS), it combines power and innovation like no other general aviation aircraft.
But with great performance comes greater responsibility, and higher insurance exposure.
That’s why Cirrus insurance requires a specialized broker. At BWI Aviation Insurance, we’ve been insuring SR22 owners since the aircraft first hit the market. Whether you fly a G2, G3, G6, or a turbocharged SR22T, we can help you find the right coverage, fast.
Why Cirrus Aircraft Require Specialized Insurance
Cirrus owners face unique insurance dynamics that other piston aircraft don’t. Higher hull values, higher performance, and more complex avionics mean underwriters view Cirrus risks differently.
Cirrus aircraft are often:
- Used for personal + business travel
- Hangared in busy metropolitan areas
- Operated by both high- and low-time pilots
- Transition aircraft for pilots moving up from simpler platforms
Additionally, the SR22 is the only aircraft in its class with a built-in airframe parachute (CAPS). That’s a positive safety feature, but it introduces unique underwriting considerations, including:
- CAPS training and recurrent checks
- CSIP (Cirrus Standardized Instructor Program) endorsements
- Risk of claims triggered by improper deployment
- Insurance exclusions for misuse or lack of training
At BWI, we work directly with underwriters to present your Cirrus profile accurately, emphasize your training, and advocate for the best possible terms.
What Does Cirrus SR22 Insurance Cover?
Cirrus insurance generally includes:
Liability Insurance
Protects you from legal and financial exposure if your aircraft causes bodily injury or property damage. Most Cirrus owners carry $1,000,000 total liability and choose:
- $100,000 per passenger sublimit (standard)
- Smooth liability (no per-passenger cap, preferred)
Hull Coverage (Physical Damage)
Covers damage to your Cirrus, whether in flight, during taxi, or on the ground. Hull coverage is written based on your aircraft’s stated value, which often ranges from $350,000 to over $900,000.
You can select from:
- Ground not-in-motion
- Ground in-motion (taxi)
- Full flight (in-motion + in-flight)
Medical Payments
Pays for passenger medical expenses regardless of fault. Typical limits are $3,000–$10,000.
Endorsements & Add-Ons
- Emergency expense reimbursement
- CAPS-specific exclusions or clarifications
- Coverage for hangars, equipment, spares
- Loss of use
- Non-owned aircraft liability
- Search & rescue expense
- Waivers for named exclusions
Claim Example: A Cirrus owner performs an emergency CAPS deployment in IMC, safely landing in a field. The aircraft is damaged beyond repair. Hull coverage kicks in at the stated value, and the pilot walks away, covered, safe, and supported by BWI’s claims team.
Real Cirrus SR22 Insurance Quotes from BWI Clients
Here are real examples of Cirrus SR22 policies we’ve quoted and bound:
IFR-Rated Pilot | SR22 G3 | $500,000 hull
Private + Business Use
$1M smooth liability
$3,600/year
CSIP-Trained Pilot | SR22T G6 | $850,000 hull
Personal Use
$1M with $100k/passenger
$4,950/year
Transition Pilot | SR22 G2 | $400,000 hull
Less than 50 hours in type
$1M liability with sublimit
$5,700/year
Flight Club SR22 | $600,000 hull | Shared Use
Instructional + Personal
$1M with $100k/passenger
$6,200/year
Alaska-Based SR22 | $450,000 hull
Mountain and backcountry flying
$1M liability with $100k/passenger
$4,300/year
These quotes are just a sample, each policy is customized based on your experience, ratings, location, and aircraft details.
What Affects Cirrus SR22 Insurance Cost?
Cirrus aircraft premiums are heavily influenced by:
- Total pilot time
- Time in make and model
- Cirrus transition and recurrent training
- CSIP participation
- IFR or commercial ratings
- Use type (personal, business, instructional)
- Location (California, Alaska, etc.)
- Hangar vs tiedown
- Hull value (SR22T hulls often $700k+)
- Claim history or violations
Want to reduce your premium?
- Complete transition and recurrent training with a CSIP
- Hangar your aircraft
- Maintain a clean flying record
- Fly at least 25–50 hours per year
- Choose higher deductibles
- Work with an experienced broker (that’s us)
Why Cirrus Owners Choose BWI
Cirrus insurance isn’t a commodity, and the SR22 is not a 172. You need a broker who understands Cirrus-specific risks, carrier requirements, and CAPS-related endorsements.
At BWI, we:
- Quote and bind Cirrus policies daily
- Understand CSIP, CAPS, and recurrent training requirements
- Have direct relationships with underwriters at 7+ top aviation insurers
- Deliver quotes in under 24 hours, many same-day
- Help you understand exclusions, caps, and endorsements
- Stay with you during claims, renewals, and transitions
From your first Cirrus to your SR22T or Vision Jet, we’ve got you covered.
Cirrus SR22 Insurance FAQ
Do I need to complete CSIP training to get insurance?
Not always, but some underwriters require it, especially for lower-time pilots. Even when not required, completing CSIP can dramatically improve your insurability and premium.
Is CAPS deployment covered by insurance?
Yes, when deployed appropriately. Some policies include language limiting claims after unauthorized or improper use. We help you understand how your policy treats CAPS.
What is smooth liability and should I get it?
Smooth liability means there’s no per-passenger cap. If you carry $1M liability, you can use the entire limit to cover any single person. It’s ideal for high-net-worth pilots or business operators.
Can I get insured as a newer pilot transitioning into a Cirrus?
Yes. We regularly quote Cirrus owners with less than 100 hours in type. We’ll work with you to structure a policy with proper limits and training expectations.
Is Cirrus insurance more expensive than other piston aircraft?
Typically yes, due to higher hull values and performance. But safety features like CAPS and CSIP training help offset those costs when presented correctly to underwriters.
Do you insure SR22s in California or Alaska?
Absolutely. We insure Cirrus aircraft in all 50 states, including high-density airspace (California) and remote operations (Alaska).
How to Get a Cirrus SR22 Insurance Quote
Getting your Cirrus covered is fast and easy:
Step 1: Click “Get A Quote” and fill out the form
Step 2: A licensed BWI Cirrus insurance expert will reach out
Step 3: We shop your profile to multiple carriers
Step 4: You choose the best policy, we bind it, and you’re covered, often within 24 hours
We know Cirrus. We know the underwriters. And we’ll get it done right.
Helpful Pages You Might Also Need
- Aircraft Insurance
- Aviation Insurance
- Cessna 172
- Aircraft Renters Insurance
- Experimental Aircraft Insurance
- Alaska Aircraft Insurance
- Drone Insurance
Have questions about a claim, policy limit, or quote? We’re ready to help.
Trusted by 9,000+ Aircraft Owners Since 1977
At BWI, we know what it takes to own and operate a Cirrus. These aircraft deserve high-quality coverage, clear communication, and fast service from people who understand the risks, and the rewards, of flying high-performance piston aircraft.
We’ve helped thousands of Cirrus owners get covered, renew with confidence, and handle claims quickly when needed.
We’re licensed in all 50 states, and we’re ready when you are.
