“Dropping your daughter from your policy may help you avoid a big premium increase, but it depends on your insurer.
Even if you remove your daughter from your car insurance, some companies will still penalize you because the claim was made on your policy. With other companies, you’ll only be penalized if your daughter is still listed on your policy.
If you get hit with a big premium increase after removing your daughter, consider this a sign that you should start shopping around for more affordable coverage. “