Aircraft insurance cost calculator
Estimate what it costs to insure an aircraft — annual hull and liability premiums across business jets, turboprops, pistons and helicopters. Start from the class-typical example below and adjust hull value, coverage limit and pilot profile to your situation.
Your assumptions
Edit any field — the estimate updates instantly.
Premium split
~$5,650 / month- Hull (physical damage)$45,000
- Liability$22,800
Budget insurance into the full ownership picture
The figures above are indicative. Insurance is one line in the full ownership model — built on verified data and current market pricing for a specific aircraft, and extended to financing, operating cost, charter economics and a five-year ROI projection — prepared for our members and partners.
5-year ROI projection
Year-by-year cash flow, equity & ROI
Financing & amortization
Down payment, interest, balance owed, true cost of debt
Charter revenue & break-even
Utilisation, occupancy, break-even hours
NPV / IRR + client-ready PDF
Discounted returns and an exportable report
An account shows cost per flight hour and annual cost. Membership adds the five-year ROI, financing, charter economics, NPV/IRR and report exports.
These figures are indicative, based on editable class-typical assumptions — not a quotation. Actual premiums depend on the underwriter, claims history, region and use. Get a formal quote from a licensed aviation insurance broker before you commit.
How aircraft insurance is priced
Two things drive your premium. Hull cover — physical damage to the aircraft — is charged as a percentage of the insured hull value, so the rate matters as much as the value: a professionally-flown jet is a fraction of a percent, while pistons and helicopters run several times higher. Liability cover — injury or damage to others — is priced by the coverage limit you choose, and higher limits cost more but not proportionally.
The pilot and the operation move the number too. Total hours, hours on type, ratings, recurrent training and claims history all feed the underwriter's rate — which is why two owners of the same aircraft can pay very different premiums.
Next steps
- · See the full running cost — Operating cost calculator.
- · Own or charter? — Charter vs ownership calculator.
- · Compare candidate aircraft with verified specs — Compare aircraft.
- · Get an independent read on the right aircraft — Acquisition advisory.
Aircraft insurance FAQs
How much does aircraft insurance cost?
It depends on the aircraft and the pilot. Insurance has two parts: hull (physical damage to the aircraft) and liability (injury or damage to others). Hull premium is roughly the insured hull value multiplied by a rate that runs from about 0.4–0.7% for a professionally-flown business jet up to 2–3.5% for pistons and helicopters. Liability is a separate annual premium that scales with your coverage limit. Enter your own figures above for an indicative total.
What's the difference between hull and liability insurance?
Hull insurance covers physical loss or damage to your aircraft — it's priced as a percentage of the insured hull value, so a more valuable aircraft costs more to insure. Liability insurance covers bodily injury and property damage you cause to others, priced by the coverage limit you choose (for example $1M up to $100M smooth). Most owners carry both; the calculator estimates each and adds them together.
Why does the pilot profile change the premium?
Underwriters price risk. A lower-time pilot or someone new to type generally pays more, while a high-time, professionally-flown operation pays less for the same aircraft. The calculator applies a simple experience multiplier so you can see the effect — real underwriters weigh total hours, hours on type, ratings, training and claims history in far more detail.
Is this a quote?
No. These are indicative estimates built from editable, class-typical broker ballparks — not a bindable quote. Actual premiums depend on the underwriter, your claims and loss history, region, intended use and current market conditions. Use it to budget; get a formal quote from a licensed aviation insurance broker before you commit.