I pay $1898 per year, identical to last year dollar-for-dollar, for $50k hull, $1MM liability. And I DO have an accident within the past two years (in a Mooney), and respectfully suggest to Cubes et al to reconsider having hull coverage. I was fortunate that the Mooney owners had full hull coverage, so no money out of my pocket nor my non-owner/CFI insurer's pocket. It's easy to total an aircraft and still walk away unscathed. The pilot flying got surprised by some windshear and smacked short of the runway. Sheared off one of the gear legs. That's all it took, repairs would have cost more than half the value of the airplane.
Let the insurance company pay for it, buy it back from them cheep -- THEN fix it.
Anyway, I hope you find better rates somewhere. Feel free to reach out to my gal Teri at Northwest Insurance Group (Hillsboro, OR)
https://nwinsurance.net -- tell her I sent you.