You might think about looking at bikes that don't have that 'cbr' in their names (still honda--like vtr, etc). Insurance rates are based upon insurance claims, and the cbr is one that has had a lot of claims due to the number of idiots that purchase and wreck them (and themselves about half the time). Dittos for gsxr's and a few others. My first sportbike was a vtr, and the insurance quotes for it were about a third fo the quotes for a cbr---simply because the vtr was brand new and had no history of claims at the time. Even now it's substantially less because that bike has not had the history of claims of the cbr. Your crap driving record doesn't speak to having the best of judgement, so you're going to pay the price for that whatever you ride, but shop for bikes with lower rates, shop for insurance vendors with lower rates, and clean up your driving record (in other words---grow up) and you'll get to a point where you can afford the price of entry.