Drone Insurance Cost Calculator
Every other "drone insurance calculator" online is a lead-gen form for a broker's quote. This one just shows you an illustrative cost range by drone weight class and how you fly, with no phone number required. Nothing uploaded.
Results
About This Estimate
-
Ballpark illustrative ranges based on commonly published rate ranges - not a quote. Actual premiums vary by coverage limits, claims history, and insurer.
Learn more: what drives drone insurance cost
Use type moves the range more than weight
The calculator's table has two inputs, use type and weight class. For hobby flying, a 250 g to 2 kg drone is listed at $75 to $150 a year, and the next class up (2 kg to 25 kg) at $150 to $300. For commercial flying, the same 250 g to 2 kg drone is listed at $500 to $1,000.
That is about 6.7 times the hobby range, a bigger jump than moving up a whole weight class within hobby use. For commercial use the range is the same for every drone under 2 kg, so weight only starts to matter once a drone is heavier than that.
These are illustrative ranges, not quotes
The figures are rough ranges, not live underwriting. Real premiums depend on the insurer, coverage limits, deductible and location, so use them for budgeting only and get actual quotes before you buy.
Who asks for the policy
In the US, Part 107 does not itself require liability insurance. BWI Fly notes that while the FAA doesn't require drone liability insurance, clients, venues and government agencies often do. For commercial work, the cost usually comes from what your clients ask for, so check their requirements before you price a job.
FAQ
Do I need insurance for a sub-250 g hobby drone?
The calculator lists $0 as often not required for this class, with optional liability cover at about $50 to $100 a year. Rules differ by country and by local venue, so check the requirements where you fly.
Why is commercial cover so much higher than hobby cover for the same drone?
In the calculator's table, the same weight class costs several times as much for commercial use. Commercial flights usually mean flying for a client at a job site, and clients often ask for a liability policy, so the table prices that context rather than the drone's value.
What is the difference between liability and hull coverage?
Liability coverage pays for damage or injury the drone causes to other people or property. Hull coverage pays to repair or replace the drone itself. Policies often price the two separately, and this calculator's notes describe liability cover, not hull cover.