Cirrus Aircraft Insurance

Cirrus Aircraft has redefined modern general aviation with innovation, safety, and technology. From the SR20 and SR22 to the Vision Jet SF50, Cirrus owners benefit from advanced avionics, high performance, and the groundbreaking CAPS™ parachute system. These same features make Cirrus aircrafts uniquely insurable—but they also bring specific underwriting requirements for pilot experience, training, and maintenance. Aero Insurance helps owners secure comprehensive coverage designed for Cirrus operations, balancing performance with protection.

Who This Page Is For

Private owners, business operators, flight schools, and fleet managers who fly or manage Cirrus aircrafts—including SR20, SR22, SR22T, and the SF50 Vision Jet. We also assist transition pilots moving from traditional piston singles into high-performance or turbine Cirrus platforms.

Typical Uses We See

Personal and family travel, business commuting, professional training, and owner-flown corporate transportation. Many Cirrus aircrafts operate under Part 91 for personal or business use, while some Vision Jet owners also employ professional pilots or management services.

Key Factors That Influence Your Quote

• Aircraft Model: SR20, SR22, SR22T, or Vision Jet SF50—all have different powerplants, avionics, and training requirements.
• Pilot Experience: total time, time-in-type, and completion of Cirrus-approved transition or recurrent training programs.
• Training Provider: participation in Cirrus Approach™ or Vision Center programs is often required for best terms.
• Aircraft Equipment: G1000/G2000 avionics, FIKI (Flight Into Known Icing), autopilot, and CAPS™ system maintenance history.
• Operations: personal vs. business use, flight frequency, base of operations, and hangar status.
• Hull Value: equipment level and optional upgrades (Perspective+, enhanced vision, air conditioning, interior packages).
• Loss History: pilot or aircraft claims record and ongoing proficiency or safety program participation.

Common Coverages for Cirrus Aircrafts

• Liability: personal and passenger coverage tailored to seating capacity and use (personal, business, or flight training).
• Hull (Agreed Value): protects your aircraft’s full insured value; available for ground-only, ground & taxi, or full flight coverage.
• Medical Payments & Search & Rescue: optional coverage that adds an extra layer of protection for occupants.
• Non-Owned (Renter’s) Coverage: for pilots flying rented or shared Cirrus aircrafts.
• Equipment & Spares: covers avionics, CAPS™ components, and personal flight gear or tools.
• Lender & Lessor Endorsements: breach-of-warranty and additional insured protection for financed aircrafts.

Pilot Training & Proficiency

Underwriters place heavy emphasis on training for Cirrus aircrafts. Cirrus Approach™ and Vision Center programs are recognized for producing safer, more proficient pilots. Completing transition, recurrent, or instrument proficiency courses in these programs can improve insurability and rates. For Vision Jet SF50 pilots, simulator-based training and recurrent sessions are often mandatory for PIC eligibility.

Operational Considerations

• CAPS™ System: maintenance and repack intervals must be current to preserve full coverage eligibility.
• Avionics: updates and functionality (autopilot, synthetic vision, ADS-B, and datalink weather) are positive risk factors.
• Performance: turbocharged and FIKI-equipped aircrafts may have different training and experience requirements.
• Storage: hangar protection reduces environmental risk and can improve premiums.

Vision Jet (SF50) Considerations

The Cirrus Vision Jet introduces turbine-level performance and systems management into the single-pilot category. Insurers require formal simulator training and may recommend initial mentor or dual PIC hours. Operators under corporate ownership may need higher liability limits and additional insured endorsements for business use.

Cost Drivers & Ways to Save

• Complete Cirrus Approach™ or Vision Center recurrent training annually.
• Keep CAPS™ system inspections and repack intervals current and documented.
• Provide recent flight activity logs showing consistent recency and instrument proficiency.
• Bundle hull and liability policies under a single insurer for efficiency and consistent terms.

Popular Cirrus Models We Insure

• SR Series: SR20, SR22, and SR22T (including G1–G6 variants).
• Vision Jet: SF50, including G1, G2, and G2+ configurations.

Documents & Details to Have Ready

• Pilot résumé, certificates, and Cirrus training completion documentation.
• Aircraft serial number, equipment list, and avionics configuration (Perspective or Perspective+).
• CAPS™ service history and repack/inspection status.
• Hangar or storage details and base of operations.
• Any prior claims or training summaries following incidents.

Looking for more manufacturer-specific coverage or related aircraft categories?

View All Aircrafts by Brand / Model View Aircrafts by Type

Ready to Get a Quote?

Share your Cirrus model, flight hours, and training status, and we’ll build a policy tailored to your aircraft, pilot experience, and mission profile.

Request a Quote