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Aircraft Insurance Outlook: August – September 2025
Posted By Benjamin Peterson
Published September 10, 2025
Aircraft insurance rates continue down as focus shifts towards 100% Bonus Depreciation vs Tariffs
- I was just out at the Citation Jet Pilots Event. Next stop is Piper M-Class OPA
- As you can see from my reference sheet, aircraft insurance is back to the status quo – business as usual
- There is still a bit of pain for the less experienced pilots ie) sub 1,000 hours total time transitioning into a $5,000,000+ aircraft
- I’ve been hearing rumors competition gearing up for another phase of price cuts but the competition is a bit bifurcated towards the most favorable risks
- AI has entered the aviation insurance industry. It’s being used in underwriting, claims handling, and back office automation which has helped speed up repetitive tasks, reduce errors, and free employees for higher level tasks.
- AI will also dive into your aircraft performance with ADSB and Air Sync data to determine who has a favorable risk profile
- With the recent crash of the Challenger 300 at Boca Raton (BCT) Airport. The Challenger overran the runway. The ADSB data showed that 50% of the flights they did in the last month were flown at faster than normal approaches speeds. https://www.youtube.com/watch?v=PlwU5TvzCT0
| Make | Model | Type of Pilot | Hull Value | Premium | % Move |
|---|---|---|---|---|---|
| Cirrus | SR22 | Just Got Instrument Rating | $785,000 | $8,000 | 🔻44% |
| Daher | TBM 960 | Owner Pilot Third Year | $4,000,000 | $35,000 | 🔻15% |
| Cirrus | SR22 | PRIV working on INST | $620,000 | $9,000 | 🔻9% |
| Diamond | DA62 | Owner Pilot Second Year | $1,750,000 | $20,000 | 🔻8% |
| Citation | V | Single Pro Pilot Ops | $2,500,000 | $25,000 | 🔻8% |
| Gulfstream | G650ER | Pro Pilots Experienced | $60,000,000 | $120,000 | 🔻7% |
| Diamond | DA62 | Father Son Third Year | $1,400,000 | $19,000 | 🔻5% |
| Honda Jet | HA420 | Owner Pilot Experienced | $3,000,000 | $44,000 | FLAT |
| Piper | Meridian | Owner Pilot w/ 1,100 Total Time | $1,200,000 | $15,000 | FLAT |
| Pilatus | PC-12 NGX | Pro Single Pilots Experienced; High Liability | $4,500,000 | $44,000 | FLAT |
| Piper | Malibu | 76 Year Old Pilot | $400,000 | $11,000 | FLAT |
| King Air | 350i | Pro Pilot Experienced; High Liability | $3,500,000 | $30,000 | FLAT |
| King Air | 250 | Owner Pilot Experienced; High Liability | $4,500,000 | $28,000 | FLAT |
| King Air | 200 | Old Aircraft and 75 Year Older Pilot; No One Else Will Quote it; High Liability | $1,100,000 | $50,000 | 🟢4% |
| Daher | TBM 850 | Cirrus SR22 Transition; 30 Hours Dual | $2,400,000 | $40,000 | NEW |
| Cessna | 182 Turbo | New Delivery; A/C Dealer Broker Pilot | $630,000 | $5,000 | NEW |
| Pilatus | PC-12 NGX | Dual Pro Pilots New to PC-12 | $5,300,000 | $30,000 | NEW |
| Citation | CJ2+ | Owner and Pro Dual Pilot; Owner is 70 yo; high liability | $4,100,000 | $36,000 | NEW |
| Daher | TBM 960 | Owner w/ 1,900 hours and new to TBM; 50 hours dual prior to solo | $5,000,000 | $70,000 | NEW |
| Daher | TBM 850 | Air Force Pilot New to TBM | $2,500,000 | $20,000 | 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.