Hello. You insurance will go down once your daughter moves as long as its not a temorary move such as going to college. You can also put a wavier on your policy that no one under the age ofXXXXXyour car which will bring your rates down. If you daugter does move than it is advisable not to let her drive any of your vehicles once you report that she no longer lives in the household, if she is involved in an accident with your vehicles after you remove her as a possible driver than the insurance may not cover such an accident. Thank You Tom Please click accept.