25. Toyota Sequoia four-door 4WD | Annual average insurance paid: $719.60 | Annual collision insurance paid: $319.80 | Type: Large SUV | Retail price: $48,400 (Photo: Mark Elias/Bloomberg News)
24. Chevrolet Traverse four-door 4WD | Annual average insurance paid: $716.68 | Annual collision insurance paid: $284.70 | Type: Large SUV | Retail price: $47,500 (Photo: Daniel Acker/Bloomberg)
23. GMC Acadia four-door 2WD | Annual average insurance paid: $712.83 | Annual collision insurance paid: $304.20 | Type: Large SUV | Retail price: $29,000 (Photo: Jeff Kowalsky/Bloomberg)
22. Ford Edge four-door 2WD | Annual average insurance paid: $693.74 | Annual collision insurance paid: $304.20 | Type: Midsize SUV | Retail price: $29,315 (Photo: Andrew Harrer/Bloomberg)
21. Ford F-150 SuperCab 4WD | Annual average insurance paid: $690.91 | Annual collision insurance paid: $273.00 | Type: Large pickup | Retail price: $27,705 (Photo: Daniel Acker/Bloomberg)

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20. Toyota 4Runner four-door 4WD| Annual average insurance paid: $688.12 | Annual collision insurance paid: $292.50 | Type: Midsize SUV | Retail price: $34,610 (Photo: Jay LaPrete/Bloomberg News)
19. Ford F-250 SuperCab 4WD | Annual average insurance paid: $684.51 | Annual collision insurance paid: $249.60 | Type: Large pickup | Retail price: $33,150 (Photo: Mike Fuentes/Bloomberg)
18. Subaru XV Crosstrek 4WD with Eyesight | Annual average insurance paid: $680.94 | Annual collision insurance paid: $288.60 | Type: Small station wagons/minivans | Retail price: $21,595 (Photographer: Peter Foley/Bloomberg)
17. Mini Countryman 4WD | Annual average insurance paid: $680.94 | Annual collision insurance paid: $312.00 | Type: Small station wagons/minivans | Retail price: $26,600 (Photo: Patrick T. Fallon/Bloomberg)
16. Honda Odyssey | Annual average insurance paid: $680.40 | Annual collision insurance paid: $296.40 | Type: Large station wagons/minivans | Retail price: $29,990 (Photo: Ashley Fleming/Bloomberg News)

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15. Honda CR-V four-door 4WD | Annual average insurance paid: $678.46 | Annual collision insurance paid: $269.10 | Type: Small SUV | Retail price: $24,250 (Photo: Tomohiro Ohsumi/Bloomberg)
14. Honda Pilot four-door 2WD | Annual average insurance paid: $677.38 | Annual collision insurance paid: $284.70 | Type: Midsize SUV | Retail price: $30,900 (Photo: Daniel Acker/Bloomberg)
13. Nissan Leaf electric | Annual average insurance paid: $675.03 | Annual collision insurance paid: $319.80 | Type: Small four-door | Retail price: $29,990 (Photo: Kiyoshi Ota/Bloomberg)
12. Chevrolet Corvette convertible | Annual average insurance paid: $671.58 | Annual collision insurance paid: $417.30 | Type: Midsize sports car | Retail price: $55,495 (Photographer: Rick Scuteri/Bloomberg News)
11. Subaru Legacy 4WD with Eyesight | Annual average insurance paid: $667.79 | Annual collision insurance paid: $296.40 | Type: Midsize four-door | Retail price: $22,195 (Photo: Daniel Acker/Bloomberg)

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10. Volvo XC60 four-door 2WD | Annual average insurance paid: $665.28 | Annual collision insurance paid: $315.90 | Type: Midsize luxury SUV | Retail price: $41,500 (Photo: Mark Kauzlarich/Bloomberg)
9. Ford Expedition four-door 2WD | Annual average insurance paid: $660.16 | Annual collision insurance paid: $284.70 | Type: Large SUV | Retail price: $51,790 (Photo: Dana Mixer/Bloomberg News)
8. Acura MDX four-door 2WD | Annual average insurance paid: $660.06 | Annual collision insurance paid: $280.80 | Type: Midsize luxury SUV | Retail price: $44,200 (Photo: Daniel Acker/Bloomberg)
7. Mazda CX-5 four-door 2WD | Annual average insurance paid: $649.70 | Annual collision insurance paid: $245.70 | Type: Small SUV | Retail price: $24,150 (Photo: Troy Harvey/Bloomberg)
6. Jeep Wrangler two-door SWB 4WD | Annual average insurance paid: $647.85 | Annual collision insurance paid: $206.70 | Type: Small SUV | Retail price: $23,995 (Photographer: Jeff Kowalsky/Bloomberg)
5. Subaru Forester four-door 4WD with Eyesight | Annual average insurance paid: $645.85 | Annual collision insurance paid: $273.00 | Type: Small SUV | Retail price: $22,795 (Photo: Tomohiro Ohsumi/Bloomberg
4. GMC Canyon crew cab 4WD | Annual average insurance paid: $633.70 | Annual collision insurance paid: $257.40 | Type: Small pickup | Retail price: $21,100 (Photo: Andrew Harrer/Bloomberg)
3. Chevrolet Silverado 1500 4WD | Annual average insurance paid: $620.47 | Annual collision insurance paid: $253.50 | Type: Large pickup | Retail price: $28,300 (Photo: Mark Elias/Bloomberg News)
2. Acura RDX four-door 2WD | Annual average insurance paid: $590.92 | Annual collision insurance paid: $249.60 | Type: Midsize luxury SUV | Retail price: $36,000 (Photo: Scott Eells/Bloomberg)
1. Subaru Outback 4WD with Eyesight | Annual average insurance paid: $539.32 | Annual collision insurance paid: $222.30 | Type: Midsize station wagons/minivans | Retail price: $25,895(Photo: Daniel Acker/Bloomberg)

The amount a typical American pays for car insurance depends on many factors, but none are as significant as the kind of the vehicle an individual is looking to insure.

Later models naturally warrant higher insurance costs due to their higher repair costs. Additionally, with more cars on the road than before and the issue of distracted driving to consider, insurers will likely have higher rates for the latest vehicles.

For those still driving their older cars, they’re more likely to have lower insurance rates. In fact, an analysis by 24/7 Wall St. found many of the cars that are the least expensive to insure are small to midsize SUVs, while the most expensive to insure are large or midsize luxury vehicles. 24/7 Wall St. reviewed the 25 cars with the lowest annual payouts based on data on insurance claim frequency and insurance cost per vehicle, provided by the Insurance Institute for Highway Safety, a nonprofit research organization funded by auto insurers.

With this in mind, check out the 25 least expensive car models to insure.

Related: 25 most expensive car models to insure