The kawasaki 250 beats teh 650 with mpg, but for insurance its the same i believe sine they are 2 cylndars up to the 1000 or somethin like that. 250 is up to 75 mpg i believe, is quick, the 08's are nice but never in stock and waiting time is about a year, i would go with the 650. it will last you ALOT longer than a 250, and the mpg is still very good at an average 47mpg. still better than most cars