I'm aware of the KLR-650, and some used BMW F650's can be had for cheap, but online I'm seeing alot of cheap foreign 125cc bikes. Any recommendations for things like that in america?
yamaha xt / dt series
You also should compare car insurance quotes for cars before buying one, for example here - carquotes.sinfree.net
It all depends on your age, riding ability, and your style of riding, personally i recomend an older honda xl or xr600, i own a 1984 honda xl350 and it is a great bike, its the most reliable bike i have ever rode.
Get a street legal XR650R, too much fun.