Insurance is based on risk. If you're 20 and want to ride an "RR" motorcycle, chances are it high that you're going to be a claim or casualty. I'm 50 with 30+yrs of experience. A few times each summer I take my little NINJA 250 out for a twisty romp with 20 year old '600 RR' riders. My favorite is Elephant Lake Rd ad the 507.
I run a 250 against the RR kids -- I always beat more than 1/2 of them through the course, a couple of times last year I beat them all! On a regular 600 I'd dust all of them.
My point isn't that I'm a better rider, it's 1)my 250R runs at 155KMH which is faster than all but race ready riders can handle throuhg a road course, and 2) at 20 with an M2 you probably don't have enough experience to handle an RR bike anywhere close to it's design parameters. Why not master a 250 at $540 per year for insurance (TD for my 21 year old M2 son)?
Is posing really worth a few thousand a year?