i do not why your insurance company will surcharge you by 20 percent. - a T# R* x2 Y% K$ Qwhat is the name of that company? 2 r) U8 G5 `6 n9 j4 G G4 a" X. T 9 U- ^# C9 p: L% c# E6 }state farm has no such surchage at all . unless the added driver is under 25 years old.call 451 3666 for more detail.