In general a primary or principal driver is the person who drives the car a majority of the time. So if your daughter is the person who will be doing most of the driving for that one particular vehicle she will be determined to be the primary driver of it.

If someone drives the car much more often than the policy owner, he or she should be listed as the primary driver of the car. The primary driver in large part determines the insurance premiums, and providing false information can give the insurance company a reason for cancellation or denial of a claim.

Insurance companies can differ on their definition for primary, secondary, principal or occasional driver though. Due to this, you will need to discuss what a primary driver means to your specific insurance provider.