i do not why your insurance company will surcharge you by 20 percent. % h/ B2 e! ]2 e7 X5 x& j. Qwhat is the name of that company? - j( \ k/ o5 B) v! a, B. I; N7 K # V) n6 o0 F4 ~! d9 m* rstate farm has no such surchage at all . unless the added driver is under 25 years old.call 451 3666 for more detail.