insurance i would pay on one in quebec? A 125 cc engine.
Driver under 25 years of age.
Cost under 5000 dollars.

in the US.

Kawasaki EX250:

Bike purchase new, gear purchase new, Safety course, one year insurance(full coverage) $5,000+/-

buy your first bike used. you will drop it. this will also save you money on insurance as they are not insuring the bike that just rolled off the showroom floor.