Information about car insurance

I'm from New York and I want some information about car insurance. So my dad has liability insurance, he pays around $900 a year.instead of paying every month he pays it for the whole year at once… Every month that would be like i guess $75… Anyways i want to finance a car… Im thinking about the honda accord sport either 2015 or 2016.i've seen some with 30-40k miles… Now can my dad list me under his insurance? If he does do i have to pay monthly for my own car? Or dad still pays the 900 a year… Or will i be required to get full coverage? I don't want full coverage… I can't afford full coverage at the moment. I can only afford the payment for the car every month which would be maybe 250 or 300… Can anyone help me out and tell me what i should do?

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