My dad has dementia. Can someone else drive his car if he no longer has a license? I have POA and not insured on his car.

Normally the owner's insurance does cover other drivers.
I would check with the insurance.

You as POA are able to CHANGE the insurance, as I am certain you know. You would then pay the added amount to insure other drivers. And you would pay the premium as you pay all your father's bills.

You need to contact his insurance company.

What we did for my BIL he didn't have a license anymore because of health reasons we just added a driver onto his policy so in case of an accident whoever drives the car is covered. Yes it cost more but its worth it.

Prayers

By chance, I just had a conversation with my parents' insurance agent on this topic. Both have valid driving licenses, but neither one is able to drive at this point. They are named on the insurance policy, but my brother is listed as the primary driver. They actually save money this way because car insurance premiums are significantly higher for senior drivers. Our agent calls it the reverse teenage driver effect, and says the increases start to happen at about age 75.

My insurance company charges a fee for an additional driver. However that other drivers insurance can cover him driving other vehicles. Must check with the insurance provider to find out particulars.

It's different if he's the vehicle owner but doesn't have a valid license.

"Getting car insurance without a license can be tricky. Prepare to do some digging around and pay higher rates."

https://www.nerdwallet.com/article/insurance/how-to-get-car-insurance-without-a-license

Judy1157: Auto insurance follows the vehicle first., i.e. Bob and Mary both have auto insurance. If Bob borrows Mary's car over the weekend and gets into an accident, the claim would be filed under Mary’s auto policy, not Bob’s.

However, this is not so 'cut and dry' in your case since your father with dementia may not have possessed auto insurance in a while especially since he did not possess a DL.

You need to contact your State Department of Motor Vehicle admin as each State law is different. And in theory, you can add you as a driver to his policy as others have noted.

Yes, anyone with a driver's license can drive the car and be insured. Please call the insurance agent to confirm, but that is how it works with my Mother's policy.

Our insurance did not go down until my wife surrendered her license for a non driver identification card. Looks like a driver license and had same legal identity characteristics.