For anything over 50 CCs which is what it will need to be for you to have euognh maneuvering speed to be safe, you will need to attend a motorcycle safety course, and get you motorcycle license. The cost for one year of liability on my 150 CC (what I started out on) was $113 a year. The insurance company wouldn't give me full coverage since it had no kelly blue book, or NADA book value. If you want to go with something that can be fully insured it will need to be something other than a scooter.