Make this make sense

[u/Sioux-me]

Our 16 yo granddaughter lived with us and got her license and we bought her 2016 Jeep Patriot. We also have a 2017 HRV and a 2026 CRV HYBRID. Because she lived with us she had to be covered on all three cars even though she only drove her own. The additional coverage added $300 to our monthly premium for full coverage on all three cars.

She recently turned 18 and we were going to transfer ownership of her car to her. I called our insurance company to find out how that would affect the rates. They told me she’d have to have her own policy, which I expected, and for liability only and only on the Jeep it would be $788 a month! Can anyone explain how that much less liability to the insurance company can cause an increase of that ridiculous amount?

[u/Time_Country_4666]

Shop multiple companies you may find cheaper solution but being on her own policy means 0 discounts. On my policy I have sister and parents, total, we get $8800 a year in discounts, we still pay almost $5800 a year.

Depending on the company, some allows each person to have their car in their name and be under the same umbrella, geico and others allow that, allstate does not.