Do not under any circumstance think of insuring at your address rather than hers. That is fraud and an insurer will repudiate any claim on that basis. The reason the quote is £1450 is because it is in Manchester. If this is your daughter's first car, she has no "no claims bonus" and regretfully she will just have to bite the bullet. All she can do is her due diligence, make sure the vehicle has additional security (Manchester is a theft capital), put someone like yourself on as a named driver. Look at price comparison sites and brokers to get a good deal, then use a cash back site to buy and make an additional saving.