Well, average working experience is just 'AVERAGE'. Of course you can get in with less working experience. My friend only have 3 years but still get in both INSEAD and HEC(with partial scholarship). Try to get higher GMAT and work 2-3 years before you apply.
For consulting INSEAD is better.You are still a students....what you can do is to improve your third language now. Since that's the graduation requirement for INSEAD.