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Which plane of this class do you think is safest today?

Also I don’t understand your point about the insurance.

If you pull the parachute, it's very likely to be a hull loss.

There are a whole lot of scenarios where you might pull the parachute but have a decent chance of getting down safely.

So, the parachute optimizes for occupant survival, but not survival of property. Insurers are in a conflicted scenario here: lowering injury claims but increasing property losses.

I wonder if they could add an airbag or something to cushion the landing and save the airframe.

It’s all about weight. These aircraft are optimising to the last kilogram. If you add 10kg more, that may be 1 less pax, or 15 minutes (34 NM) range.

The force of the chute opening is what kills the airframe

Teslas are in a very similar position and you can get insurance for those.

It's a total loss if you need any kind of body work (due to absurdly long wait times and Tesla considering damn near everything on the car structural) or anything related to the battery (due to replacement cost).

I heard Tesla insurance is nearly always more expensive than average though?

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