I pay $2100 a year w/ no collision...WOW...if you have a good/great driving record, age matters... the older the better, if u take the course (some states reduce cost for taking course), you pick a used and 600cc or less bike then you should be way under this amount and then it just depends on what you want to cover.If its just liability then it should be WAY down.
Feel free to ask some more questions.Some websites you may want to check out:
www.sportbikes.ws
www.sportbikeworld.com
www.esportbike.com
www.cycleforums.com