Since you stripped it down to a naked anyways, you would have been farther ahead to buy a a VFR, 599 Hornet, 919, Monster, FZ8, FZ6S, CB600F, Supermoto etc.....same wheels, suspension, and brakes as sportbikes for all intents and purposes, but classified as a non sportbike.
When I was 36, with SF for 14 yrs with cars and home etc, no tickets, never a claim in my life, and having a bikr licence since I was 16, I was paying over $1300 / yr. I was ******.
Got rid of a sportbike, got a Supermoto. then I could shop somewhere other than SF. FUll coverage on an 07 KTM 950 SM- $787/yr