I pay around $750 a year for a $2 million umbrella in CO, and in other states, as you state, it's lower, I've seen it anywhere from $350 on up to over $1000/year.....and I opt out of W/C....it's cheaper to get your own insurance in the long run.
This is CABL.com posting #356075. Tiny Link: cabl.co/mbENj