Under current law FDIC member banks pay assessments on their total liabilities, which include uninsured deposits. Account holders do not directly pay anything for deposit insurance, and what they do pay is largely in the form of lower interest.
The only thing worth paying for would be paying a bank custodial fees so they do not lend out your deposits to anyone. Otherwise it is the banks responsibility to insure funds that they are allowed to legally lend to others, to make good on the very idea of a deposit (as opposed to a loan) in the first place.
