I recommend the following:
- See our guide here: Car Insurance for 19-Year-Olds : In our case study, Geico was the cheapest insurance for teens. Within this guide, you can find some other saving alternatives.
- If your daughter is in school, see if she qualifies for a good student discount. Usually, she needs a GPA above a 3.0.
- Switch vehicles. Consider a vehicle that is not financed and thus does not need comprehensive and collision, which could lower her premium.
- Go car free: This probably doesn't seem like the most helpful option, but unfortunately, it might be your best option. Her age and driving record will continue to penalize her and you financially for 3 years (that's typically how long insurance companies will charge you for tickets and at-fault accidents). So, if you the above solutions don't help, you might consider alternative forms of transportation until they are no longer chargeable accidents.