i do not why your insurance company will surcharge you by 20 percent. - V0 j( R' m8 a. vwhat is the name of that company? ' m" a1 H3 v- } 5 [* p3 }. k$ l7 C9 q0 [. \$ F% Ystate farm has no such surchage at all . unless the added driver is under 25 years old.call 451 3666 for more detail.