Moped/Scooter Help?

Ok, so ive looked al over and cannot find an answer to this question. I am in New York, I am 16, completed drivers ed, i have my junior license and will receive my senior in 1 month. For school, i plan on buying a moped/scooter that is 49cc, i chose 49cc so it can stay under 30mph so i dont need a motorcycle license, my question is, can my dad insure it in his name, while i ma riding it? I dont care about the scooter if it gets wrecked, i just need liability, If he registers it in his name, about how much will it cost for him to insure? He didn't have a ticket nor any claims/accidents in the past 7 years. Btw he does not have a motorcycle license, which is why im sticking to 49cc. Any help would be appreciated