i do not why your insurance company will surcharge you by 20 percent. ( z! v0 x; S. h# f3 B' Xwhat is the name of that company? : G& c' {9 X8 c; W 5 S1 i% g# [' m7 x, vstate farm has no such surchage at all . unless the added driver is under 25 years old.call 451 3666 for more detail.