If WORDS were grounds for fighting, there are a half dozen folks here that I would have kicked their ass already.
Seriously insults are one thing. Defending yourself from a physical assault is another. Yes, schools today are zero tolerance- any fights, everybody goes. You should not be the first one swinging. Back in the day, the principal would have hauled us bodily to the gym, Coach would have put gloves on us, and it would get settled.
Those days are gone, they are NOT coming back. YOUR job is to graduate from school- and you are not going to do that if suspended or expelled.