i do not why your insurance company will surcharge you by 20 percent. " W: |9 p3 C0 }what is the name of that company? ) d& \+ B0 }# K4 s# F 0 t; W; f: f9 @7 ]state farm has no such surchage at all . unless the added driver is under 25 years old.call 451 3666 for more detail.