My Dad and I are buying a new car together. His name will be on the
title. I will be driving it for the first few months, and then I am
moving to a place where I don't need a car. At that point, he will
drive it.

Does he need to insure it for the time when I'm driving it? 

Or can I just place the car on my policy? 

What if he adds me to his policy?

We live in Pennsylvania. Thank you for your help.

-joe.

I know some UK insurance rules
- they are probably applicable in the USA as they are based on
actuarial principles rather than from law.

Generally, a multi driver policy is based on the premium for the
'riskiest' driver - which makes sense as two people cannot drive
simultaneously.

One can insure a car for any driver, some countries insist that the
car is insured, not the driver. Personally I think that this is
sensible.

You could probably be a 'named' driver for your father's car, or stick
the car on your own policy - either would do, but you need to make
sure that you get the right level of cover.

Personally, I would get your father to put you on his policy, as a
named driver, it is less unusual for a father to have a son as a
designated driver than a son having another car on his policy.

Insurance companies charge for something called 'mid term
alterations', they actually make quite a lot of money from it.

Consequently, I would go for the simplest solution, and not alter the
policy even if you are a thousand miles away from the vehicle.

Shop around for the best reputable insurer, put the policy in your
father's name with you as a 'named driver'
- you may pay a little more than getting clever
- but .. well the real 'insurance' is having an undisputed settlement
if something goes wrong.