“No, you can’t have only a non owners car insurance policy on a vehicle if it’s available for regular use.
You’ll need to keep at least state-minimum liability coverage on the car, which you should already have as a driver on your father’s policy.
If it’s a financial burden for him to maintain the policy (or just a nuisance), you can find out if you qualify for any discounts with you and your dad’s current carrier. Alternatively, you two can shop around for quotes and switch over to a cheaper policy.
If you want to save money on car insurance, the Jerry app is a good place to start. A licensed broker, Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying new car insurance. “