Another Physics grad student checking in. I would break it down as so:
High Energy stuff (particle phyiscs, essentially)
Condensed matter physics really is the big area these days, it seems to me, but it’s really really broad, and studies all sorts of things ranging from superconductivity and superfluidity to various investigations of semiconductors and semiconductor devices. Quantum computing would probably fall in here as well, and biophysics, and much of chemical physics, and all sorts of other things. Giraffe can tell you a lot more about this than I, since it’s not really what I work in on a daily basis, and I assume he’ll be along to do that at some point.
Astrophysics and Cosmology, also as you mentioned
Mathematical physics (I sense this isn’t something you’ll want to do; I don’t really either, because so many people who do this have lost the “physics” part of the job description)
Chemical physics is the area I work in, which is basically applying quantum mechanics and statistical mechanics to describe the behavior of atoms and molecules. Parts of it fall under condensed matter, and parts of it don’t really.
These are all traditional research areas. What you’ll study in learning physics includes classical mechanics, electrodynamics and relativity, statistical mechanics, and quantum mechanics. Classical mechanics is the kind of thing you get in intro physics, although it’s actually a lot more advanced (and, I think, interesting) as you get along into it. Electrodynamics is the study of electricity and magnetism; optics tends to get worked in here as well, and also relativity. Statistical mechanics is the physics of vast numbers of particles, and quantum mechanics is the study of really small things.
I would really encourage scientific writing courses when possible also; one of the things that I hate most about the field is that so many people can’t write and make a coherent argument. Also try to get opportunities to make presentations about some of these things, especially if you can work with one of the profs and do some real research. Making presentations is a big part of doing research, and it’s another thing that many people can’t really do effectively. Not being great at math is definitely a drawback, but much more so if you want to go into theory than into experiment. For what it’s worth, I also did the AB calculus test, and I’m not having any problems with the math I need even though I’m in theory.
I have to do a fair amount of programming, and I hate it; try to learn some of this as an undergrad, because one of the reasons that not being the god of all mathematicians is okay is that a lot of equations get solved on computer these days anyway, and it’s the students who get stuck writing the code. Maple is my very best friend on some days, and on other days, I want very much to strangle the people who wrote the code. Learn LaTex if you have the chance; it’ll make writing papers a bajillion times easier, and not knowing it is my biggest regret.
Grad school is far in the future, but if you wish to stay in research as a theorist after you finish your PhD, you’re going to want to go to one of the schools that Giraffe listed, because a PhD in particle theory from, say, Kansas State is going to get you… a job at McDonald’s. Or any variety of other jobs, but probably not one doing particle theory.
Oh, and to answer Nenya’s question, the way to get in doing research with a prof is indeed just to go talk to them. There’s such a thing as an “REU” program, which is a research experience for undergrads thing that the NSF funds, so some profs can actually pay you to work for them as an undergrad. But talk to the profs whose classes you find especially interesting, try to build up a good relationship with them, and it’s entirely possible that they’ll give you little side projects.
And I wouldn’t say you’re nuts to narrow things down to physics; it’s fun and interesting! But it can be really hard at times, and it can be really discouraging, as well, so if you hate your first few hard classes, don’t give up. If you hate them because the subject matter bores you, that’s maybe not such a good sign, but if you hate them because they’re too much work and you’re not sleeping, or because the prof stinks (we get a fair number of those), you might want to stick with it a bit longer.