Your father would need to speak to his insurance company regarding this arraignment to see if it is possible according to their guidelines but for many insurance companies it would not be allowable. Generally insurance companies will not want vehicles from more than one household on a single policy and thus not to insure a vehicle that was going to be residing in a different state.

The second reason that this arraignment is not likely to work is that there are differences in the state minimum liability laws in Missouri and Oklahoma and typically you need your vehicle covered for the state in which it is going to be driven in the most or permanently kept.

Oklahoma, where your father lives, requires minimum insurance of 25/50/25, while Missouri, where you reside, mandates minimum insurance of 35/50/10 as well as uninsured motorist coverage of 25/50. To get the proper insurance for Missouri, it might be that your dad will have to include your name on the title of the vehicle so you can register and insure the vehicle in MO.