It is generally possible to drive your dad's car with his insurance, but the specific coverage and terms of the policy will determine the extent to which you are covered. In most cases, the primary auto policy that would apply in the event of an accident is the one that is on the vehicle itself, rather than the driver. However, there may be situations in which the driver's insurance policy would be the primary coverage. It is important to check with your dad's insurance provider to understand the specifics of his policy and how it would apply in different scenarios. In some cases, you may need to be added as a driver on the policy in order to be fully covered.
Also worth reading: What Does Homeowners Insurance Exclude, and How Can You Close the Coverage Gaps? · How Do You Compare Car Insurance Quotes the Right Way in 2026? · Which Auto Insurance Risk Tier Will You Fall Into in 2026, and What Should You Do Next?