i do not why your insurance company will surcharge you by 20 percent. # K' _' Q c8 }0 q5 @what is the name of that company? % x* ]3 E) M: U4 l9 | 1 U7 c& Z# w. P% ]- tstate farm has no such surchage at all . unless the added driver is under 25 years old.call 451 3666 for more detail.