i do not why your insurance company will surcharge you by 20 percent. 8 r- v: N6 L* z1 ?$ a. B5 uwhat is the name of that company? % C1 _- @9 b) _7 F 8 P/ Q& _8 `0 U8 ~. R2 w* M& [state farm has no such surchage at all . unless the added driver is under 25 years old.call 451 3666 for more detail.