As T/A says ... motorcycle insurance for certain classes of bikes for certain classes of riders (and you sound like you're in the worst class..
) are set to deter people - do not be shocked to see insurance on a brand new super-bike be as high as $300 a month or more...
This is why we suggest something cheap/slow enough to not be hit with high premiums... oh anhd just be sure whom ever's medical insurance you are on does not have a "motorcycle injury" exclusion.