Pilot Liability Insurance: Cost & Quotes From $15

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Updated: March 27, 2025 . 6 min read

Written by Ofir Sahar

CEO & Founder

Ofir Sahar

CEO & Founder

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Flying an aircraft requires years of training, and learning how to fly  can be difficult at first even with the help of an experienced flight instructor. Still, just like driving a vehicle on land, flying an aircraft has its fair share of risks. That’s where pilot insurance comes in. This article explores what kinds of insurance pilots can get their hands on, how much does pilot insurance costs, and the best pilot insurance companies to get it from.

Liability Insurance for Pilots

Pilot general liability insurance is one of the most common types of insurance that carriers offer to commercial and private pilots. However, general liability insurance differs in many ways when compared to other policies available. As for pilots, their general liability policy applies to any plane they decide to operate as it’s considered their place of work.  Pilot general liability insurance applies when you’ve caused a bodily injury to a third party while you’re operating the aircraft. For example, if you cause accidents and injure passengers due to an accident, this insurance will pay for the costs.

Flight Instructor Liability Insurance

Flight instructor liability insurance is specifically designed for certified flight instructors (CFIs) who provide training to student pilots. This insurance covers legal liabilities that may arise during instructional flights. Their Policies can be tailored to cover various aircraft types and training scenarios. Instructors can choose limits based on their specific needs—ranging from basic liability to more comprehensive policies that include hull coverage. Flight instructor insurance costs can vary widely. For instance, basic policies may start around $160 annually for lower coverage limits, while more extensive coverage options can exceed $500 annually depending on the aircraft and training type.

 

 

Pilot liability insurance cost depends on multiple factors such as coverage limits, aircraft type, and whether the pilot is flying commercially or privately. In addition, The average airplane insurance cost is $82 per month or $984 per year for a $1 million dollar coverage.

Flight Instructor Insurance Cost

 

The cost of flight instructor insurance reflects the unique risks associated with providing flight training: Insurance Premiums:The Basic policies may start as low as $160 annualy. However it can increase significantly based on the type of instruction provided and coverage limits. In addition, the plane insurance cost typically depends also, on various risk factors, including the size of your aviation business.  

As for Aircraft insurance, the rates vary depending on factors like pilot experience, aircraft type, and coverage limits.

 

Commercial Insurance for Pilots

There are many different forms of business insurance policies available for commercial pilots, ranging from the basic pilot liability coverage that we mentioned up above to disability insurance.  Disability coverage may seem redundant for pilots when they already have medical coverage from their companies, but there are some exceptions that may make it necessary. For example, if your  medical coverage gets all used up after an accident and you still need money to handle your disabilities, you’ll still be covered by your own disability coverage. Additional liability insurance of your own may help cover expenses that exceed the limits your employer’s policy has.

Private Pilot Insurance Cost

Insurance for private pilots is available in just as many forms as it is for commercial pilots. However, private pilots need their own coverage more than commercial pilots because they’re not affiliated with any company who can provide them with needed coverage. This means that you may wish to get your hands on disability insurance in case you get into an accident while flying your private aircraft. You may also wish to get your aircraft insured to cover costs for repairs, property damage, and accidents.

Aircraft Insurance Cost

  • If you’re wondering how much is airplane insurance, the average cost for general liability insurance is around $82 per month. or $984 per year for a $1 million dollar coverage
  • The average small flight school insurance cost in America is $208 per month or $2,496 per year for $1 million in liability coverage

The cost typically depends on a range of different aspects of your business, including how large it is. The opposite can be said of a smaller aviation business since they will be less likely to file claims, and if they do end up filing a claim, the insurer will likely have to pay less. We’ve put together a table of the quotes that we got from 3 of the best pilot insurance providers:

Company Cost per month Cost per year
Xinsurance $74 $888
Horton $82 $984
Evolution $90 $1080

To get these prices, we used a pilot with 10 years of experience and has no prior history of making claims related to aviation. We did this to get our values as close to reference as possible.

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Private Jet Insurance Cost

Private jet insurance is among the most expensive types of aviation insurance due to the high value of jets and their operational complexities: The Premiums can vary significantly; for example, insuring a Cirrus SF50 jet could cost around $25,000 annually based on current market estimates.  

Best Pilot Insurance Companies

Finding the best pilot insurance companies will allow you to benefit from better rates and improved service. That’s why we’ve put together this part of our guide in which we review 3 of the top companies out there. 

Xinsurance Pilot Insurance

The Xinsurance pilot insurance program encompasses many different classes of pilots, ranging from instructor pilots to students to professional pilots. Xinsurance covers a wide range of flying vehicles including helicopters, experimental aircraft, ultralights, and even vintage and antique aircraft.

Pros
  • Specialist in pilot insurance
  • Covers a variety of aircraft and pilots
  • Affordable
Cons
  • Insurance application process can be slow

Average cost : $74 Our rating : 4/5

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Horton Pilot Insurance

Horton offers aircraft hull and liability coverage to pilots, covering physical damage, the operators of the aircraft, and passengers. All passengers, crew members, and pilots also get medical coverage under their policies. They also offer discounts for pilots who fly more than 100 hours per year.

Pros
  • Offers discounts for pilots who don’t have derogatory records
  • Numerous coverage options
  • Generous coverage limits
Cons
  • Prices are too pricey if you cannot avail of discounts

Average cost : $82 Our rating : 4/5

Evolution Pilot Insurance

Evolution offers pilot liability insurance for both fixed-wing and helicopter pilots. They accept online applications and get back to potential clients much more quickly than the competitors.

Pros
  • Quick to provide quotes
  • Offers access to E&S marketplace
  • Offers pilot liability coverage
Cons
  • Expensive

Average cost : $90 Our Rating : 4/5  

About the author

Ofir Sahar

Ofir is the founder and CEO of Insuranks. He established Insuranks in 2019 from scratch and has been running educational insurance websites since 2009 on a mission to help businesses...See full bio.

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