i do not why your insurance company will surcharge you by 20 percent. ! u. f1 u# }2 h; p' | Z9 n# Owhat is the name of that company? * d! Z' g% C3 M. Z+ a8 S5 d ; a! W3 x3 O e) P5 T) L8 Ustate farm has no such surchage at all . unless the added driver is under 25 years old.call 451 3666 for more detail.