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Aircraft Insurance November: November 2025
Posted By Benjamin Peterson
Published November 3, 2025
Aircraft Insurance Quotes
- The age cap on older pilots has basically been removed
- The surcharge on low time transition pilots has basically been removed
- Liability Limits will be reduced for older pilots and transition pilots (for the first year)
- Quota Share where two insurance companies split the risk 50/50% is a great way to bring liquidity to unique high value risks
- I was just out at the TBMOPA conference in Savannah, GA; the TBM market is still crushing it
- Next stop is Corporate Jet Investor at the Fontanebleau in Miami. As always, I will report back with more info for the December 2025 Aircraft Insurance Market Update. Fly safe!
| Make | Model | Type of Pilot | Hull Value | Premium | % Move |
|---|---|---|---|---|---|
| Cirrus | SR22T | Two Owner Pilots with PRIN & INST & 200TT | $1,000,000 | $10,000 | 🔻51% |
| PIper | M600 | Two Owner Pilots; Mid 70s Age; High Liability | $3,000,000 | $40,000 | 🔻41% |
| Cirrus | SR22 | Owner PRIV & INST; Low Time | $700,000 | $7,000 | 🔻28% |
| Phenom | 100 | Owner Pilot Experienced | $2,000,000 | $18,000 | 🔻19% |
| Bell | 206 L-1 | Single Ship Hellcopter Charter Company | $600,000 | $27,000 | 🔻2% |
| Phenom | 300E | Single Pro Pilot Experienced; Very High Liability LImit | $10,000,000 | $70,000 | FLAT |
| Gulfstream | G280 | Pro Pilots Experienced | $17,000,000 | $56,000 | FLAT |
| Pilatus | PC-12 NG | Pro Pilot Experienced; High Liability Limit | $5,000,000 | $29,000 | FLAT |
| Citation | XLS+ | Owner Pilot Very High Liability and Prior Major Claim | $11,000,000 | $53,000 | FLAT |
| Daher | TBM 960 | Owner Pilot; High Liability | $4,500,000 | $35,000 | FLAT |
| Piper | M600 | Owner Pilot Experienced | $3,200,000 | $24,000 | FLAT |
| Beech | Baron 58 | Older Owner Pilot Based in Kona, HI | $375,000 | $8,000 | FLAT |
| Citation | CJ4 | Single Pro Pilot; High Liability Limit; Older Pilot | $4,400,000 | $32,000 | 🟢4% |
| Cirrus | SR22T | PRIV working on INST | $1,200,000 | $16,000 | NEW |
| Pilatus | PC-24 | Pro Pilot New to Single Pilot Turbo Jet | $15,000,000 | $88,000 | NEW |
| Daher | TBM 700C2 | Retired Air Force Sergeant in F-22 Raptor | $1,825,000 | $19,000 | 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.