i do not why your insurance company will surcharge you by 20 percent. ! Q: m) K. g% r* d' zwhat is the name of that company? ) B% `9 P N/ \2 f1 O% Q ; l% f3 n+ P, P3 Vstate farm has no such surchage at all . unless the added driver is under 25 years old.call 451 3666 for more detail.