You are definitely thinking this through correctly. It's funny because a lot of parents do not consider the risk. Since she is an adult and if she had her own policy she would be the one liable in an accident. You are also right when it comes to the premium. Most of the time the premium is more expensive for her to be on her own policy. Sometimes it can be cheaper because she wouldn't really need the higher limits that you have to protect your assets since she doesn't have assets to protect. Another factor will be the fact that she will be in another state. Insurance varies by state so the new state she will live in may have lower rates than where you live currently. Either way, I would recommend for her to get her own policy if you are wanting to protect your assets further. Good luck and if you have any other questions, don't hesitate to ask
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