Don't let the insurance make your decision. Other posts pretty much cover the options. Fact is you're young and an inexperienced rider so just be ready to pay. I'm 36, have been riding on and off since 16. I have progressive on an 01 RC and it's just over $600/yr mainly because my neighborhood is known for heavy traffic congestion. Two counties away from metro ATL and I would see a 50% drop in both insurance and taxes but I don't want to live there so I just pay.
I started on a Harley but it was no big twin
a 72 Sprint 350. Since I only had $200 in it, I had liability insurance only. Shop around and make your decision based on the right things... like a year from now wishing you had not cut corners 
I started on a Harley but it was no big twin