State farm only cares if it's 900cc's or more
you've got great advice so far.
MSF first and foremost
And now a lecture
What you buy will depend on what you're looking for. If you've fallen victim to the "bling boyz" and are drawn to raw power, wheelies, posing at sonic and chrome. I.E. following in the footsteps of those who chose a brand new R6 for their first bike. Then 6 months later stepped up to a GSXR1000 because all the magazines said it was the fastest "this year". Then you need to be beaten with a cane and drug behind a 79 ford pickup down a gravel road NOW, and save you the money, but still give you the "experience" of what you'll feel within a year anyway.
If you wanna RIDE and learn to really have fun, and or develop skills. You're not gonna CARE what it says on the tank,
(because the big 4 are all so damn good these days it's not really a question of reliability) nor be obsessed with the CC's
You'll start small and learn to control the bike...not be at IT'S mercy.
You'll graduate to larger bikes at a rate relative to your skill level, and choose bikes that won't put their ability too far over yours. Yes, you will probibly spend a little more money in the LONG run, but the knowledge and ability you'll GAIN. Well, you can't put a price on that.
Once you've gained confidence and can carry some speed, if you're ANYTHING like me, and my buddies, you'll develop this nasty urge to PUSH what skills you've learned, and decide to invest in some nice cow-hide and a membership to NESBA or any of the other various track riding cults and catch a bug that will empty your pockets faster than (most) women can
After that, it's all down-hill
Racing schools, track days, getting your race license....ahh geez.....dude save yourself and your wallet and don't get a bike at all