Why is the Cirrus so heavy on insurance
I think that this is a consequence of the marketing in the USA, drawing out a larger % of pilots with different "characteristics".
In the UK, some underwriters have reacted badly to chute pulls in what they presumably regarded as circumstances not justifying the PIC's decision to write off the aircraft. I know of one case where the excess was jacked up about 5x, IIRC.
In the USA, from one informal survey I saw some years ago, SR22 premiums were running at about 4x TB20 premiums. To be fair, the hull value would have been different (due to different ages); the TB hull might have been insured for $150k average whereas the SR22 hull might have been insured for $300k.
The most eye watering figure I recall was a DA42 premium in Canada which was well over US$10k.