Honestly that’s pretty good all things considered. My car’s a 2020 that cost about the same, I’ve been driving for 30 years, and my ins isn’t much less than yours.
My point was. For a car that new,. even without a lien, I would maintain full coverage should the car get totaled. Your car gets totaled, replacing it is going to cost you way more than the (probably) $600/yr you’re spending on the difference between liability only and full coverage.