i do not why your insurance company will surcharge you by 20 percent. ?! _) m3 J9 C- w$ c% wwhat is the name of that company? + {) v3 a- ?! K; w. f/ @. y! J4 g: T# }5 F , a$ c( C( T: X& O2 p3 i' _* vstate farm has no such surchage at all . unless the added driver is under 25 years old.call 451 3666 for more detail.