Non-owners auto insurance policies are for drivers who do not own a car but be aware that typically this policy will not cover you driving other cars owned by family members or other members of the household in which you reside. Thus a non-owners policy would not help cover you to drive your father's car since you still live in the residence with him.

Normally if you live in a household, even if you are not the registered owner of a vehicle but drive it, you should be on the insurance policy for the vehicle. So since you do live in the same household as your father you would need to be on his car insurance policy. Most insurance companies require that all household licensed drivers be listed on the policy. If you are not listed then you may see about being added and if need be paying for your portion of the insurance bill, which will likely be cheaper than you buying your own car insurance policy.

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