Who money does it cost to begin an insurance company?

“Alright so me and dad have been working on this incomplete beach buggy task (now virtually completed maybe a month more). I’am a male scholar that’s only completed my second year of university and also have had my license a little over per year (got my licence at 17 to get it out the way) I have never held a-car/been covered over a car and was wondering what sort of charges it’d charge to obtain insured over a beach cart at my age21stcentury insurance ?

I only got pulled over for lacking my chair buckle on