Why?
I can't read the minds of the insurance co's so I'll pass on that.

Mary and I have priced insurance in all sorts of planes. Neither of us are
instrument rated, and insurance costs are only marginally higher.

The final quote was an additional $1200/yr for the lack of an
instrument rating. However, he did have a commercial. He did have
Mooney time.
For a pilot low time w/o retactable time the quote was an additional
$2000 the first year.

-Robert