In general, a driver must be at least 21 years old to rent a scooter in Mexico, but many rental companies require all drivers to be 25.
Though rental companies often provide helmets to renters, this isn't always the case. If you aren't issued a helmet with your rental, be aware that there is a strictly enforced helmet law in place. You must wear one, even if it's not technically a motorcycle helmet. Even in the absence of such a law, it's important to wear a helmet for safety while riding.
American liability insurance is invalid in Mexico. Luckily, Mexican insurance is purchasable at a low cost (about $10 to $15 per day, depending on the provider) and covers liability (including any necessary legal assistance) in the event of an accident. The daily rate decreases if negotiated for longer stays. You can purchase Mexican insurance in any border town. Know that Mexican auto insurance is automatically rendered invalid if you're found to be even slightly under the influence of drugs or alcohol while operating the scooter.
Any person renting a scooter in Mexico needs to hold a valid, regular drivers license from their home country and a valid passport. In order to ensure that your Mexican auto insurance will cover you in the event of an accident, you must obtain a Tourist/Business Visitors Visa (also known as an FMT tourist permit), which legally documents your ability to be in Mexico for up to 180 days. You may pick up an FMT permit at road border crossings, airports, or at the Consulate of Mexico.