Aircraft insurance is underwritten per risk rather than sold from a public tariff, so this page builds a planning range instead of quoting a price.
Hull value insured$3.89m (€3.6m)
Experienced pilot, hull and liability$39,489 (€36,564) / year
Low-time pilot, hull and liability$64,882 (€60,076) / year
Insuring a 2021 Daher TBM 910 at a $3.89m (€3.6m) hull value costs approximately $30,802 (€28,520) to $51,336 (€47,533) a year for an experienced owner-pilot carrying both hull and liability cover, a midpoint of about $39,489 (€36,564) or 1.02 percent of hull value. A low-time or newly rated pilot in the same aircraft should budget $50,608 (€46,859) to $84,347 (€78,099). Bare liability cover is not normally written on turbine equipment, so hull cover should be treated as compulsory here.
Premium by pilot experience
Annual hull and liability cover at a $3.89m (€3.6m) insured value. Pilot experience moves an aircraft premium more than any other factor the buyer controls.
Pilot profile
Annual planning range
Midpoint
Percent of hull
Low time or newly rated Private certificate, limited total time and little or no time in type
$50,608 (€46,859) to $84,347 (€78,099)
$64,882 (€60,076)
1.67%
Experienced in type Several hundred hours total with meaningful time in this make and model
$30,802 (€28,520) to $51,336 (€47,533)
$39,489 (€36,564)
1.02%
High time, instrument rated High total time, instrument rating and annual recurrent training
$17,088 (€15,822) to $28,481 (€26,371)
$21,908 (€20,285)
0.56%
Premium by aircraft year
Hull value drives most of the premium, so the year you buy changes what you pay to insure. Figures assume an experienced pilot.
Model year
Indicative hull value
Annual planning range
2017
$3.22m (€2.98m)
$25,597 (€23,701) to $42,662 (€39,502)
2020
$3.72m (€3.45m)
$29,500 (€27,315) to $49,167 (€45,525)
2022
$4.06m (€3.75m)
$32,102 (€29,724) to $53,503 (€49,540)
2025
$4.56m (€4.22m)
$36,005 (€33,338) to $60,008 (€55,563)
What moves a Daher TBM 910 quote
Against a plain fixed-gear training single, this aircraft carries a risk loading for a pressurised cabin, which raises the cost of any hull repair, 6 seats, which raises the passenger liability exposure, a 330 kt cruise, which underwriters treat as high performance and turbine power, normally requiring type-specific recurrent training. That loading is already applied in the tables above.
Time in type matters more than total time. Underwriters price the first year after a move up to a faster or more complex aircraft as the highest risk an owner will present, which is why a year-one premium is often the largest one an owner ever pays and why it falls once the hours accumulate.
What this estimate does not price
Four factors are deliberately excluded because PlaneFit does not hold verified data for them, and approximating them would make the number look more precise than it is:
Landing gear type. Retractable gear is one of the largest single loadings an underwriter applies, and it is not recorded per model in our database yet.
Claims and incident history. Both the pilot record and the model-wide loss record.
Basing and storage. A hangared aircraft is normally cheaper to insure than one tied down outside, and premiums vary by region.
Use. Instructional, rental, club and commercial operations are rated separately and cost considerably more than private use.
Liability only against hull and liability
Liability cover pays for damage this aircraft causes to other people and their property. Hull cover pays for the aircraft itself. On turbine equipment the two are not normally separable: underwriters require hull cover rather than writing bare liability, and the liability limits carried are multiples of what a piston owner buys. Budget for the combined figure of roughly $39,489 (€36,564) a year, and be sceptical of any bare-liability price quoted for an aircraft in this class.
Adjust the assumptions
Opened on the Daher TBM 910: a $3.89m (€3.6m) hull value and the base rate and complexity factor this model uses. Change any input to test your own case.
Planning midpoint€35,914 / year
Indicative planning range€26,935 to €48,483
Common questions about Daher TBM 910 insurance
How much does it cost to insure a Daher TBM 910?
For an experienced owner-pilot insuring a 2021 Daher TBM 910 at a $3.89m (€3.6m) hull value, budget roughly $30,802 (€28,520) to $51,336 (€47,533) a year for hull and liability cover together. A low-time or newly rated pilot in the same aircraft should plan for $50,608 (€46,859) to $84,347 (€78,099). These are planning ranges, not quotations.
Why might a real Daher TBM 910 quote come in higher than this?
This model prices hull value, aircraft class, pressurisation, seat count and cruise performance. It does not price landing gear type, avionics fit, claims history, where the aircraft is based and hangared, or instructional and commercial use. Any one of those can move a premium substantially, and gear type in particular is one of the largest single factors an underwriter weighs.
Is liability-only cover worth considering on a Daher TBM 910?
In practice, no. Underwriters generally require hull cover on turbine equipment rather than writing bare liability, and the liability limits carried on this class of aircraft are multiples of the piston norm. Budget for a combined hull and liability policy at around $39,489 (€36,564) a year, and treat any bare-liability figure you see quoted for a turbine aircraft with suspicion.
How much of the Daher TBM 910 annual running cost is insurance?
At roughly $39,489 (€36,564) a year against a $119k (€110k) fixed annual base, insurance is about 33 percent of the fixed cost of ownership. It is already included inside the fixed annual figure shown on the ownership cost page, so it should not be added on top.
How these figures are built
PlaneFit is not an insurer, a broker or an agent, and nothing on this page is a quotation, an offer of cover or insurance advice. The figures are produced by a published model: a flat liability premium for the aircraft class, plus a hull premium calculated from the insured value, a class base rate, a pilot experience factor and a complexity factor derived from pressurisation, seat count and cruise speed. The model is calibrated so its output reproduces the premium ranges specialist aviation brokers publish for the models where those ranges are public.
Use it to budget and to compare one aircraft against another. Before committing to a purchase, get comparable quotes from at least two specialist aviation brokers, because underwriters price each risk individually and the market hardens and softens from year to year.
