Abstract: A flight characteristics analysis system for determining a safe flight score includes a flight characteristics analysis server, including a safe flight model; a flight safety monitoring server; an insurance calculation server, including a premium calculator; and a flight recorder device, including a flight data recorder, a flight data log, and flight data sensors; such that the flight recorder device collects flight data measurements from an aircraft; such that the flight characteristics analysis server compares flight data measurements with the safe flight model for the aircraft, in order to extract a list of safe flight deviations, such that the list of safe flight deviations is used to calculate a safe flight score; such that the flight safety monitoring server stores a plurality of safe flight scores for a plurality of aircraft; and such that insurance calculation server calculates an insurance premium based on the safe flight score.