It depends on your driving history, where you live and the size of the scooter. The best dollar-for-dollar brand right now is Kymco, the only thing rated higher is Piaggio and Vespa, Kymco trumps Japanese scooters. They have a two year warranty and are NOT made in China. Many styles and sizes to look at.
I use Progressive Insurance, they have been better for me than others. The company’s attitude towards motorcyclists also varies depending on where you live.