i do not why your insurance company will surcharge you by 20 percent. ' }4 ]1 y5 `7 G. Nwhat is the name of that company? : E# r# m7 y* u, F. a4 R * j( f. R* X/ H2 p+ x& i$ Vstate farm has no such surchage at all . unless the added driver is under 25 years old.call 451 3666 for more detail.