Thanks for the info guys,
Did some poking around and it looks like liability for an atv or dune buggy is about a 180 a year from Capri. Seems most of the atv clubs recommend them. They can do it over the phone, and will mail your papers too you. Only thing that sucks is if you have more than one, I don't think it is a blanket policy. Talking to my friends stateside, only half of them even have it. It's one of those things you can get away with till you get caught. As long as your not blatantly disregarding any rules they will leave you alone.
Mike