BWI Fly is consistently ranked among the top aircraft insurance companies, as it offers a wide range of policy options, excellent customer service, and affordable coverage that can be customized to fit your needs.  BWI’s policy solutions can accommodate both personal and commercial needs. It also offers a slew of niche or specialty policies designed for specific types of aircraft and aircraft owners, including experimental aircraft, seaplanes, flying clubs, commercial drones, private jets, and aircraft charters. Coverage varies by policy and policyholder preferences, but most BWI general aviation coverage options include liability, aircraft hull, ground, and flight, not in flight, and not in motion insurance.  BWI’s website provides quick and easy access to online quotes and claims for most customers, and its customer service is consistently considered top-notch. This provider also has a wealth of educational resources that can be useful to new and seasoned pilots. Standard BWI aviation insurance policies are available for as little as $225 a year for up to $1 million in liability-only coverage, making it an affordable option. However, rates can vary significantly based on your policy needs, experience level, and other common factors, so it’s always best to seek a personalized rate.

The USAA Insurance agency started as an auto insurance company in 1922, but since then, the organization has grown to provide a wealth of services to USAA members and their families. For veterans, that means a one-stop shop for everything from banking services and mortgages to home, auto, health, and even aircraft insurance. Because members receive dedicated service from experienced underwriters and can obtain competitive annual premiums and other perks, USAA is the number one option for veterans seeking aviation insurance. 

USAA’s coverage includes personal and commercial aircraft and aviation and agriculture businesses. It also provides non-owned liability insurance. Plans cover various aircraft, including traditional planes, helicopters, seaplanes, warbirds, and commercial UAVs (drones), making it easy to find the right policy to suit your aviation interests. ;

Annual premiums depend on the aircraft type, member needs, and selected coverage. Some plans are available for less than $100 a year. To be eligible for USAA aviation insurance, you must be a USAA member. Get individualized quotes by logging into your membership account or contacting USAA directly.

Wings has been specializing in aviation insurance since 1984, and today it offers global insurance solutions through a network of providers. All policies are curated to fit each client's specific usage, coverage, and financial needs, making Wings our top choice for commercial aviation policies.  Commercial customers will find that Wings policies cover all the traditional bases: aircraft hull and liability, cargo operations liability, pollution, and environmental liability, products and completed operations, and property and ocean cargo coverage. But if you're looking for a truly well-rounded insurance provider for your business, you may find that Wings' workers' compensation coverage and life insurance set it apart from some competitors.  Wings takes pride in an underwriting process that is truly individualized, and its goal is to find the best policy for clients in the U.S. and around the globe. As such, instant quotes are not available online, but Wings agents are quick to respond and well-versed in the unique needs of commercial aircraft policyholders.

AssuredPartners is one of the nation’s largest aviation insurance firms and a strategic partner of the Aircraft Owners & Pilots Association (AOPA). It offers commercial and personal insurance options, including renters insurance, that policyholders can purchase and bind online within minutes. This, paired with its low rates, makes AssuredPartners our choice for aircraft renters insurance.  AssuredPartner’s basic liability renters policies start at $81 a year, and you can get additional coverage, like property damage and bodily injury for passengers, for just $175 a year. That means you can add an additional layer of coverage—one that extends past the limits of the aircraft owner’s policy—for less than $7 a month.  AssuredPartners also offers discounts to eligible policyholders that can make coverage even more affordable. AOPA members, for instance, can save 5% on an aviation policy. Policyholders can also save even more when they go a year without a claim, which entitles them to a 10% claims-free flying record discount as well as an accident forgiveness and deductible waiver.

The Experimental Aircraft Association (EAA) is an organization that brings together recreational pilots, restorers, and builders, many of whom are particularly fond of warbirds, antiques, and classic planes. It also provides members with several benefits, including access to discounted insurance rates for vintage planes and warbirds. We think EAA is the best option for Vintage Aircraft Association (VAA) and Warbirds of America (WOA) members. EAA insurance, administered by the Falcon Insurance Agency, provides several forms of coverage, including general liability, emergency off-airport landing, use of other aircraft expansion, personal effects and baggage, and legal defense and loss of certification insurance coverage. It also provides optional coverage for members who participate in instructional or educational activities, sightseeing, and airshow events.  To make its policies affordable for hobbyists and others who are passionate about vintage aviation, EAA offers discounts to policyholders who insure multiple aircrafts “in-motion” deductible credits for every year without a claim. And since vintage aircraft owners may not be in the sky as often, it also allows policyholders to suspend in-motion coverage.

Avemco has been protecting pilots since 1961 by working directly with aviation insurance specialists to create customized coverage that fits each policyholder’s needs. Its competitive rates, customizable plans, and safety-based discounts make Avemco a great option for flying clubs.  One of the primary benefits of an Avemco flying club policy is the ability for each club to work directly with an Avemco aviation insurance specialist to create a policy that is structured based on the unique needs of each club. Avemco further empowers policyholders by allowing them to add and drop members at any time during the policy year without contacting Avemco directly or filing unnecessary paperwork.  Avemco’s flying club insurance policies provide up to $1 million in property damage coverage and $100,000 per person for bodily injury. Each policy is custom designed to account for the unique needs of each group, which alleviates the constraints that often accompany a one-size-fits-all approach to insurance.  Policyholders can also take advantage of several discount opportunities, including discounts for hangaring the club’s aircraft and flying claim-free. Members can also take advantage of Avemco’s Safety Rewards discounts, which can reduce premiums by as much as 10% when pilots complete approved flight training.