Owning a car in Motown isn’t cheap.

Green Springs, Ohio, is just a 90-minute drive from Detroit, but living there could save you $4,462 on your car each year.

That’s according to a new report from CarInsurance.com that pegged Detroit’s 48227 zip code and Green Springs’ 44836 zip code as the spots with the highest and lowest coverage rates in the nation.

The study was based on a single 40-year-old male with a clean driving record who drives a 2014 Honda Accord 12 miles each day with a 100/300/50 policy with a $500 deductable, and compared data from over 33,000 zip codes.

Detroit’s $5,109 rate was 130 percent higher than the state average in Michigan, and followed by neighborhoods in Brooklyn (11226) at $3,877 and Philadelphia (19132) at $2,760.

Meanwhile, insurance for the same car costs just $647 annually in Green Hills, $671 in Arden, N.C., near Asheville, and $709 in Saco, Maine, located just outside of Portland.

According to CarInsurance.com, location is one of the top factors in determining rates, thanks to wide variations in thefts, collisions and other claims. The national average was determined to be $1,231.

Here are the full top and bottom 10 lists:

Most expensive:

1. Detroit, MIch. (48227): $5,109

2. Brooklyn, N.Y. (11226): $3,877

3. Philadelphia, Penn., (19132): $2,760

4. Providence, R.I., (02903): $2,749

5. New Orleans, La., (70117): $2,542

6. Los Angeles, Calif., (90029): $2,416

7. Woodbridge, Conn., (06525): $2,291

8. Baltimore, Md., (21216): $2,256

9. Miami, Fla., (33142): $2,248

10. Royalton, Ky., (41464): $2,104

Least expensive:

1.Green Springs, Oh., (44836): $647

2. Arden, N.C., (28704): $671

3. Saco, Me., (04072): $709

4. Christiansburg, Va., (24073): $751

5. Boise, Id., (83706): $753

6. Lake Havasu City, Az., (86403): $769

7. West Lafayette, In., (47907): $770

8. Allouez, Wis., (54302): $776

9. Concord, N.H., (03303): $785

10. Normal, Il., (61761): $827