i've got 2007 CBR600. Its a great bike and i highly recommed it. Hondas are known for reliability. Insurance, of course, will depend on your age and driving record. For me, i am paying about  200 dollars per year for jsut the liability. Insurance is cheaper in the states where it snows during the winter as you can only ride so often. Other expenses on bike is up to you. After you get the bike you would invest on some good helmet and riding jacket and gloves. Good helmets starts from 150 up...good jackets starts from 200 up and you can get decent gloves for 50 bucks.Oil changes on bikes are around 70 bucks. Tire life will depend on how hard you ride it....usually around 5000 miles. Safety is upto you. Bikes are lot of fun to ride....just need to learn how to ride responsibly.