i do not why your insurance company will surcharge you by 20 percent. ! h4 S+ L& g, A: `$ r7 U8 I4 A, ^what is the name of that company? & R/ i3 n. I! |0 B " h$ I3 ~4 \, R7 Q- h4 n# ~& X- astate farm has no such surchage at all . unless the added driver is under 25 years old.call 451 3666 for more detail.