i do not why your insurance company will surcharge you by 20 percent. : z# `9 U2 ]+ y4 m$ R+ @. owhat is the name of that company? / U( P* M t+ h8 E8 I : N9 ?( D: H4 o: x/ l2 Wstate farm has no such surchage at all . unless the added driver is under 25 years old.call 451 3666 for more detail.