My dad wont let me drive my car.. I'm 22?

Ask him if he was rear ended twice by other people who were at fault if he would stop driving altogether. Maybe you should get copies of the police reports showing the other drivers at fault. You have nothing to lose by calling the insurance company and chatting about it for 5 minutes to find out the cost to put you on his insurance. (Find the policy number. You can offer to pay the difference in coverage costs).