Are you looking to purchase car insurance for learner driver? Do you remotely believe that insurance companies will be willing to sell you a policy that can be called cheap? If you are thinking in this manner, one can only say that you are being naive. Insurance companies would not be looking to sell such insurance at a cheap price. Questions would probably arise in your mind asking why insurance companies would be reluctant to offer low-priced policies for learner drivers. Let us take a look at what insurance companies think about this matter.
Insurance companies are in the business to make some profits for their shareholders and are responsible to answer for any losses, which the company may make. Under the circumstances, these companies would rather prefer to sell lady car insurance, where the risks are far lower than sell insurance to learner who will be a bigger risk. The business of insurance runs under the principle of insuring lower risks at lower prices. In this case, since you are a learner and considered to be in the high risk category, you will find that insurance companies will want to charge you higher prices for any policy that is sold to you.
There are three main factors which insurance companies consider when looking to sell car insurance for learner driver. They will be looking at the age of the learner, the credit ratings and the type of car driven by the learner. If the learner is a youngster, chances are that they will not have any credit ratings at all and their age will make them automatically eligible for a policy at higher prices. 
At the same time, if they are looking to drive around in an expensive car, the cost of the policy is going to be even higher. Some factors such as educational qualifications and certification by a defensive driving School will definitely be considered by insurance companies for some discounts to be allowed. However, they will still look to charge a higher price for such policies, making it impossible for people to purchase them at a cheap price.