Do what my parents did, then... the first time I had an accident, even though the cause was attributed to the weather, I was judged at fault and charged with careless driving (the cop said he had no choice, as I had admitted to hitting the other driver, but strongly recommended I fight it in court... I did and plea bargained to Pass On Right, Not In Safety). My parents told me that I'd have to get my own car insurance from then on. I paid $3000/year until I was 22, and haven't had a single accident or ticket since that one, when I was 17.
It's not a female thing. Some of us are bad drivers. Some are good drivers. The same could be said for people of the XY variant... There's a few guys whose driving terrified me so much I'll *never* get in a car with them again. It's an individual thing, and IMO, it has more to do with the amount of responsibility you accept when you get behind the wheel of the car. Teach your daughter the consequences for her actions, and she'll not grow up to be one of those idiots who puts on makeup while driving on the freeway.
(when I think about it, I did get away with murder... my parents didn't make me pay for the repairs on the car, so their insurance took a hit... when my older brother got a speeding ticket --admittedly, it was for going 160km/h in a 60 zone--, they cut him off their insurance and made him pay the fine)