The short answer: Yes. Absolutely.
The long answer: Yes, but only if your broker knows what they’re doing.
At BWI, we’ve helped dozens of student pilots get insured while training in the Cirrus SR20. It’s a modern, technically advanced aircraft (TAA), and the insurance process isn’t as simple as insuring a Cessna 172.
But with the right training plan, the right documentation, and the right broker—you can absolutely get approved.
Here’s what student pilots, CFIs, and flight schools need to know.
Why the Cirrus SR20 Is a Different Kind of Trainer
Most underwriters still view Cirrus aircraft as “premium” piston aircraft. They’re advanced. They have CAPS. They often have Garmin Perspective+ or Avidyne panels. And they move fast.
Because of that, some underwriters hesitate to quote student pilots who are just getting started, unless the file is submitted the right way.
What Underwriters Need to See From Student Pilots
Here’s what we submit for every student pilot quote request:
- Your training plan (structured syllabus or CFI-led plan)
- Enrollment in a formal Part 61 or 141 program (preferred)
- Endorsement or approval from your flight instructor
- Any previous time in Cirrus or other TAA aircraft
- Flight simulator time or CSIP/Embark training (if applicable)
- Whether you’re renting, borrowing, or owning the SR20
You don’t need 100 hours.
You don’t need a certificate.
You just need a structured plan and a broker who knows how to present it.
Why Most Brokers Say “No” to Students
We hear it all the time, “My broker told me I can’t get insured until I get my private.”
If that’s the answer you got, it probably means they:
- Only work with 1–2 underwriters
- Don’t understand Cirrus aircraft
- Don’t know how to structure student applications
- Don’t want to take the time to present your case
We do.
At BWI, we’ve helped students as young as 17 get approved to train in their SR20, with policies bound in under 48 hours.
What Your Policy Should Include
Even as a student pilot, your policy should offer:
- Hull coverage for the aircraft (if you’re the owner)
- Liability coverage – up to $1M available in some cases
- Open pilot warranty in case you fly with multiple CFIs
- Training endorsements – credit for formal instruction
- Medical payments coverage
- Optional non-owned aircraft coverage if you’re renting
Real Student Pilot Profiles We’ve Helped
- A 19-year-old enrolled in a Part 141 program at a major university
- A 45-year-old business owner getting his private in an SR20 he co-owns
- A student renting a Cirrus through a local training center
- A CFI requesting coverage for dual instruction in a client’s SR20
Each one had a different background, but we got all of them insured.
Ready to Train With Confidence?
If you’re a student pilot, or a CFI working with one, let’s get you covered the right way.
At BWI, we advocate for every pilot we work with.
We’ll submit your file clearly, completely, and to the right underwriters.
We’ll return your quote in 24 hours or less.
And we’ll walk you through it every step of the way.
Call (800) 666-4359 or click below to request your Cirrus SR20 student pilot quote today.
GET A CIRRUS SR20 QUOTE
