i do not why your insurance company will surcharge you by 20 percent. + h9 v$ Q4 A+ T0 _- b1 ~5 k) _what is the name of that company? # @; S# Q$ H3 f! d* L+ n 9 X2 {9 R/ w6 C) K- g* {state farm has no such surchage at all . unless the added driver is under 25 years old.call 451 3666 for more detail.