Definitely hundreds, mine is $372/yr for $1M/instance, atop my auto/home coverage (250/500 for the auto).
The thing about it is: your risk doesn't change because you have extra coverage. All that actuarial work is priced into your base coverage. In fact, they may even have factored in that people willing to voluntarily buy umbrella coverage are a little less risky than their model predicted.
They're not. I've been getting many million dollar umbrella insurance every year, as well as quotes from different providers each renewal cycle, and they're consistently in the "few hundred bucks" category for a married couple. I'm also not a super attractive insurance customer, so it likely can be cheaper for others.
When I originally got my umbrella policy around 10 years ago the cost was about ~$120/year for $2million in coverage. I'm currently paying $183.47/year for $2 million in coverage. Covers myself and my spouse.
