NEW YORK (CNNMoney.com) -- It costs more to own a car in Detroit, an amazing $12,210 per year for a mid-sized sedan, than in any other city in the country, according to a new report comparing the cost of car ownership in various U.S. cities.

Released Friday by Runzheimer International, a consulting firm specializing in transportation reimbursement, the survey revealed that insurance, at $5,072 annually for liability, collision, and comprehensive coverage, is the biggest single reason that maintaining a car in the Motor City is so expensive.

Ford Five Hundred

Runzheimer calculated costs based on a fully loaded 2007 Ford Five Hundred SEL with a 3.0 liter, 6-cylinder engine. The calculation also assumes that the car is driven an average of 15,000 miles for four years within a 50 mile-radius of the city.

Philadelphians would pay nearly as much, $11,081 with $3,779 going to pay for insurance, as would Los Angelenos, at $10,604, including insurance costs of $3,225.

The same car would cost just $7,700 a year in Sioux Falls, South Dakota, a savings of $4,581 compared with Detroit.

Maintenance costs also vary quite widely, from a high of 8.00 cents-per-mile in San Francisco to a low of 4.99 cents-per-mile in Bismarck, North Dakota.

This list shows the car ownership costs of selected cities around the country:

Detroit - $12,210

Philadelphia - $11,081

Los Angeles - $10,604

Hartford, CT - $9,972

West Palm Beach - $9,170

Buffalo - $8,813

Grand Forks, ND - $7,726

Bismarck, ND - $7,705

Sioux Falls, SD - $7,629

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