i do not why your insurance company will surcharge you by 20 percent. : B# W$ o! |# ]$ f* }# `what is the name of that company? 8 D9 q8 x+ E( }8 c2 q0 } 7 L0 D2 ?. E% ^+ b b. T7 H# D* f& }state farm has no such surchage at all . unless the added driver is under 25 years old.call 451 3666 for more detail.