Did your insurance quotes include full coverage?
Remember, if you're buying new and financing full insurance coverage (including collision, comprehensive, and theft) will be required by the financing company. This can certainly add to the overall insurance picture in the form of extra $$$.
Honestly, reconsider used for your first bike. Not only will you save on insurance if you buy something for which you only carry basic liability coverage, but more importantly you may discover your first choice of bike isn't really what you wanted in the end...and trying to sell a 1 year old bike next summer will end up costing you dearly in depreciation.
Once you have decided you're happy on whatever you've chosen, consider a shiny new one a year or so down the road once you have some experience, comfort level, and insurance history under your belt.
Lots of members here will be happy to help you look at a prospect bike in the used market and since you're looking at the Metric end of things, it's hard to go wrong - most of the options have been around long enough that the kinks have been worked out and the "common issues" are well documented and easy to spot, so if you check things out ahead of time you'll have a good solid bike at a very competitive (vs brand new) price with the depreciation hit already taken by the original owner if you buy something 4-5 years old.
I just bought my wife a Vstar 650 for her second bike and it has 45,000K on the odometer...but I had zero issue with that - It was in beautiful condition, the price was right, and it will go for another 100,000K without any issues, likely many more.