Experienced pilot, hull and liability$2,658 (€2,461) to $15,756 (€14,589) / year
Cheapest to insureCirrus SR22 G1
Variants compared7
Insuring a Cirrus SR22 costs approximately $2,658 (€2,461) to $15,756 (€14,589) a year for an experienced owner-pilot carrying both hull and liability cover. Almost all of that spread is hull value rather than anything about the airframe: the Cirrus SR22 G1 insures at $270k (€250k) and the Cirrus SR22T G7+ at $1m (€929k). A low-time or newly rated pilot should budget roughly 1.6 times the experienced figure in any of them.
What the published market evidence does and does not say
The SR22 family spans normally aspirated and turbocharged generations with large differences in hull value and equipment. Underwriters therefore look beyond the shared airframe name to pilot experience, instrument currency, transition training, time in type, intended use, base, claims and the exact aircraft value.
How underwriters separate the risk
The cited specialist-broker material publishes a range for an experienced, appropriately trained private pilot and explains why a low-time pilot in a high-value SR22T can sit outside it. PlaneFit does not silently force that benchmark into every row: it is shown as an external calibration point with its US-market assumptions intact.
What to do before choosing a variant
Request an insurance indication before committing to the aircraft, not after the pre-buy. Give the broker the exact generation, turbo status, hull value, training history, instrument recency and expected annual use. Ask which approved transition or recurrent course changes eligibility, and compare liability limits and named-pilot restrictions alongside premium.
Limits of this guide
No public article can quote an individual SR22 risk. The table does not know claims, airport, hangar, geography, exact training or policy wording, and the market can change before the page does. Treat the output as budget screening and replace it with written broker terms before purchase.
| Variant | Indicative hull value | Experienced pilot | Low-time pilot |
|---|
Cirrus SR22T G7+
2026 | $1m (€929k) | $9,453 (€8,753) to $15,756 (€14,589) | $15,537 (€14,386) to $25,894 (€23,976) |
Cirrus SR22T G6
2020 | $918k (€850k) | $8,663 (€8,021) to $14,437 (€13,368) | $14,232 (€13,178) to $23,721 (€21,964) |
Cirrus SR22 G6
2020 | $810k (€750k) | $7,662 (€7,094) to $12,770 (€11,824) | $12,581 (€11,649) to $20,969 (€19,416) |
Cirrus SR22 G5
2016 | $566k (€524k) | $5,400 (€5,000) to $9,000 (€8,333) | $8,850 (€8,194) to $14,750 (€13,657) |
Cirrus SR22T G3
2011 | $486k (€450k) | $4,659 (€4,314) to $7,765 (€7,190) | $7,627 (€7,062) to $12,712 (€11,770) |
Cirrus SR22 G3
2010 | $415k (€384k) | $3,999 (€3,703) to $6,665 (€6,171) | $6,537 (€6,053) to $10,895 (€10,088) |
Cirrus SR22 G1
2002 | $270k (€250k) | $2,658 (€2,461) to $4,430 (€4,102) | $4,325 (€4,005) to $7,208 (€6,674) |
What moves a Cirrus SR22 quote
Within a single model line the airframe risk is close to constant, so an underwriter is pricing two things: how much the hull is worth and who is flying it. That is why the range above is wide at the top and narrow at the bottom. It is also why shopping between variants to save premium rarely works out: the cheaper aircraft to insure is the cheaper aircraft, and the difference usually reappears in maintenance.
This model prices hull value, aircraft class, landing gear, pressurisation, seat count and cruise performance. It does not price 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 a claim on the pilot's record moves it the furthest.
Common questions about Cirrus SR22 insurance
How much does it cost to insure a Cirrus SR22?
For an experienced owner-pilot carrying hull and liability cover, budget roughly $2,658 (€2,461) to $15,756 (€14,589) a year across the Cirrus SR22 line. The spread is driven almost entirely by hull value: a 2002 Cirrus SR22 G1 insured at $270k (€250k) sits at the bottom, a 2026 Cirrus SR22T G7+ at $1m (€929k) at the top. These are planning ranges, not quotations.
Which Cirrus SR22 variant is cheapest to insure?
The Cirrus SR22 G1, at roughly $2,658 (€2,461) to $4,430 (€4,102) a year for an experienced pilot. Insurance tracks hull value closely, so within a single model line the older and less expensive the airframe, the cheaper the cover. That is not the whole ownership picture: an older airframe usually costs more to maintain than it saves in premium.
Does a low-time pilot pay more in a Cirrus SR22?
Substantially. Across this line a low-time or newly rated pilot pays roughly 1.6 times what an experienced owner-pilot pays in the same airframe. Pilot experience moves an aircraft premium more than any other factor a buyer controls, which is why the table above prices both.
