When you ask about insurance price, be sure to specify what coverage you need.
If you are getting a loan, you'll very likely be required (by the bank) to have collision (covers the bike in case you have an accident), and comprehensive (covers the bike for non-accident related damage, such as theft or vandalism).
Also, it is a good idea to carry liability (and many states require it). Liability covers damage that you do to other people and their property in case an accident is your fault. This will also help protect you from lawsuits from people you injure.
Once you decide what coverages you will need, then you can compare prices.
My two cents, for what it's worth, is to pay cash for the bike if at all possible then just carry liability. The prices that I see people paying for full coverage are way too much, considering what a bike is worth after it is a year old or so.