There are a lot of things you have to do when paying premiums on your car insurance, especially when it comes to your children.
Does she have her own vehicle? Did she move back home due to circumstances beyond her control? She may choose to drive your car only when she needs to. Either way, you do need to let your insurance company know that your daughter is living there ate home with you.
She may not drive anything right now, but she may ask to borrow the car from time to time. You could get in trouble for any damage she causes behind the wheel. No matter how great a driver you say she is.
Say, for example, she decides to drive a friend's car sometime. It may not be her car, but she still has a license. What if she gets into an accident? She will be held liable for the damage she causes. You could also be on the line for damages she does.
Your insurance is considered "her" primary proof of insurance. It does not matter whether she borrows her friend's car or yours. Your insurance company needs to know the situation, regardless of how long she intends to stay with you.
She will have to get her own policy when she is ready to. Until then, she needs to be listed on your policy. You can remove her name from your policy once she has her own.
It is the law, Every licensed driver needs to have insurance. It does not matter if she is driving your car or someone else's. Driving without car insurance is illegal. You and she could get into a lot of trouble. Increased rates are one example of how things might change if she is not listed on your policy