i do not why your insurance company will surcharge you by 20 percent. ( X. C6 [* x, g$ ]' \/ Owhat is the name of that company? $ U9 J$ x- R$ q N3 L7 K* L0 E1 ] 0 y- k9 W' Q6 _state farm has no such surchage at all . unless the added driver is under 25 years old.call 451 3666 for more detail.