My boat is a 2008 and insurance is $267 a year for full coverage.
I have attached the link to the CA laws for boaters.
When you start getting used to your boat, do the check out yourself. I was letting someone help me and almost sank the boat because we left the plug out, and when it was put in, it was put in the wrong hole.
Run through launching it by yourself. Unplug the light connector, undo the straps, let the motor down, put the plug in. When you get on the ramp, that is not a good time to figure out a procedure for launching. Especially if you launch in the middle of a tournament. Way hectic.
I do not believe you need a license, but if you have never been around boats, I would at the very least study the rules of the road. If they have a class I would take it just to learn the ins and outs of boating.
I noticed the said the top was not included. They are not that expensive, I think around 60 to $80, so it s not that big a deal, or you could just get a good hat.
What the other guys say about life vest and stuff like that, is all true it is part of the coast guard required equipment.
Have fun with your boat, I don't care what anyone says, I would not give mine up, nor be with out one. Do your maintenance, keep the right oil mix, and keep an extra set of plugs in the boat. Keep an extra drain plug in the boat. An adjustable wrench, a screw driver, tape, typical stuff for potential break downs.