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Aircraft Insurance Outlook: October 2025
Posted By Benjamin Peterson
Published October 3, 2025
AI Is Coming to Aviation Insurance. Here’s What It Means for Your Premiums.
- There’s a lot of talk about AI replacing underwriters or brokers and implementing AI risk based tools.
- While these are all valid discussions, it is important to understand what AI DOES and what it DOESN’T do… yet.
- AI doesn’t give you the entire “Input”, meaning the information still needs to be entered.
- AI doesn’t validate or audit the information. The information still needs to be validated by humans – underwriters, brokers, owners, pilots, etc.
- Here’s an example: you own a Cirrus SR22T. You still need to enter the aircraft, tail number, and pilot info into a system. The online system spits out a quote or risk score which is then verified by an underwriter, broker and Cirrus owner.
- AI does give you almost everything or a lot in between.
- Some areas that we have used AI are with comparing quotes, automating CRM tasks, filling out forms, proposals, research, etc. You can use it for almost anything except the input and validation.
- There’s some very interesting areas in the aviation industry where AI tools can track your tail number and give you a risk score. Note, you may have to unblock your tail number.
- ADS-B
- ForeFlight App
- Cloud Ahoy
- Garmin GPS + AHRS data
- Air Sync
- aggregated METAR weather data
- New insurtech platforms are offering Risk Exchanges, where risk scores and underwriting data can be shared across markets.
- Emails to aircraft owners if your risk score increases for flying into bad weather, faster than normal approaches, and long night time flights
- Claims handling approaches vary — some carriers use in-house adjusters, while others outsource to firms like McLarens. Time will tell how these models compare in customer experience.
- For owners, the key is that while AI may influence how underwriters view your flying, the need for accurate, validated information — and a broker who knows how to present it — hasn’t changed.
| Make | Model | Type of Pilot | Hull Value | Premium | % Move |
|---|---|---|---|---|---|
| Daher | TBM 850 | Second Year Owner with 800 Total Time | $2,050,000 | $25,000 | 🔻55% |
| Cirrus | Vision Jet | Just Got Instrument Rating | $3,100,000 | $21,000 | 🔻49% |
| Pilatus | PC-12 | 76 Year Old Pro Pilot – Dual with Pro | $5,000,000 | $28,000 | 🔻19% |
| Cirrus | SR22 | Owner PRIV INST with 250 Total Time | $620,000 | $9,000 | 🔻9% |
| Cirrus | SR22T | Owner PRIV Working on INST with 250 Time | $1,200,000 | $17,000 | 🔻4% |
| Cirrus | SR22T | Owner Student Working on PRIV | $815,000 | $14,000 | FLAT |
| Piaggio | P180 | Owner Pilot Experienced | $1,800,000 | $26,000 | FLAT |
| Cirrus | SR22 | Third Year Owner with 500 Total Time; High Liability | $345,000 | $4,600 | FLAT |
| Epic | E1000 GX | 75 Year Old Owner and low time Son in Law; Past Claims on Record | $4,000,000 | $131,000 | FLAT |
| Pilatus | PC-12 | Pro Single Pilots Experienced; High Liability | $4,400,000 | $44,000 | FLAT |
| Citation | CJ2 | Dual Pilot; 68 Year Old Owner and Low Time Second Pro Pilot | $4,400,000 | $34,000 | NEW |
| King Air | B200 | Owner Pilot Transition from Old KA200 | $2,500,000 | $22,000 | NEW |
| Tecnam | P-Mentor | New Instruction Rental Company | $430,000 | $12,000 | NEW |
| Tecnam | P-Mentor | New Instruction Rental Company | $350,000 | $10,000 | NEW |
| Guimbal | Cabri G2 | Student Pilot | $500,000 | $19,000 | NEW |
| Daher | TBM 700C2 | Experienced Military Pilot new to TBM | $1,825,000 | $19,000 | NEW |
| Bell | 407 | Owner Pilot with 750 Total Time | $2,000,000 | $45,000 | NEW |
Advice: The best way forward is to maintain a close relationship with your aviation insurance broker and underwriters so you get the best rates as things are changing.
Ben Peterson is a 15 year aviation insurance services professional, Commercial Pilot and Flight Instructor with over 1,000 hours instruction given, and former Cirrus Factory Instructor Pilot.
Benjamin Peterson
Graduated from the University of North Dakota with a degree in Commercial Aviation as a Pilot and Flight Instructor. My first professional job was working for Cirrus Aircraft as an instructor.