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How fast are you planning on going? A 250 might be a better size if you're not going to just be going around neighborhoods. A Yamaha WR250R dual sport is rated at 71MPG, you would have to get a pretty big bike to get 40MPG on the road. You already have the holy grail of MPGs, so using the gas mileage of a bike to justify it doesn't make much sense. Just use the Insight on roads as much as possible and save the bike for offroad.
Whether or not buying a bike is a logical decision regardless of mileage is another story. From what I can see, you have two cars and not much of a job/poor job market around you (going from your past posts). Adding a bike to the mix doesn't seem like a sound decision to me and I personally could only justify it if it would actually be ridden offroad most of the time.
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