Things that affect the rate is pilot experience (hours), time in type, where the plane is kept (tied down or hangared), how much hull value you place on your plane (replacement cost), and what sort of coverage you want.
When I got my plane 10 years ago, I had a Commercial licence, with around 500 hours. It was parked outside, on the grass, and insured for a little less than $20K. Insurance ran about $500.
Now I'm an ATP, I fly 747s for a living. I've got a couple thousand hours and the airplane is in a hangar. It's insured for a little over $20K for around ................... $500.
The Cessna 150 was designed for student pilots. It's easy to fly, and relatively inexpensive. If you put a brand new Private Pilot in a Bonanza the cost will be thru the roof and will decrease with experience and ratings. The 150, not so much.
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