Do I have to be added to my dad's policy?

You really should just be added to his policy. It is typically cheaper than having your own policy plus if your dad drives the car, he would need to be listed on your policy. Some finance companies also require the owner to have the policy in their name. You would want to check their specific guidelines. If you do add him to your own policy, make sure he is listed as an additional interest. This means he has a financial stake in the car. Good luck and if you have any questions, don't hesitate to ask.