i do not why your insurance company will surcharge you by 20 percent. 1 |9 C3 Q' D% n' A0 ]! |+ vwhat is the name of that company? ) H) [2 z. ~6 i 0 ]* Z* K' Q2 j$ x6 }* a6 Nstate farm has no such surchage at all . unless the added driver is under 25 years old.call 451 3666 for more detail.