Is my car insurance going to be cheaper because i getting a learners permit first?

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Auto insurance in California?

I bought a car in Aug 09. It's under my dads name for cheaper insurance purpose. But I never really got to the insurance part and have been driving w/out it. I just got a letter in the mail from the DMV saying my registration is suspended because I haven't provided financial proof... So I went earlier... and if my dad were to add the car and list me as a 2nd driver on my car, I would pay too much :| So the question here is... if my dad were to add the car and not list me as a 2nd driver, will I be covered? I really don't give a crap if it's fraud or not, just need to know if I will be covered since he will be lending me the car. Only place I really drive it to is work, and I work overnight so there's no cars around! ..and weekends. Plus with gas prices this high I stay below the 1.5k rpm's.