Average annual insurance premiums vary from nearly $5,200 in Detroit, Michigan to under $760 in Roanoke, Virginia, according to the latest analysis by Runzheimer International. Runzheimer, a Wisconsin-based vehicle costing and management consulting firm, found that the average driver in Detroit pays almost $5,200 a year for auto insurance, compared to the least-expensive city, Roanoke, Va., where premiums average $758 a year. These rates are based on both male and female drivers over a minimum age with clean driving records and include comprehensive, collision, bodily injury, property damage, and uninsured motorist coverage. Philadelphia and Newark also represent expensive locations for insurance coverage at $4,142 and $3,482, respectively. Los Angeles at $3,225 and New York City at $3,127, round out the Five Most Expensive Cities list. Other areas, in addition to Roanoke, are insurance bargains. The same driver, driving the same vehicle in Wapakoneta, Ohio pays only $871 for this all-inclusive coverage. In Chattanooga, Tennessee, vehicle owners pay $911; in Green Bay, Wisconsin, $948; and in Raleigh, North Carolina, $949. Most Expensive Cities 1. Detroit, $5,162 annual average 2. Philadelphia, $4,142 3. Newark, N.J., $3,482 4. Los Angeles, $3,225 5. New York City, $3,127 Least Expensive Cities 1. Roanoke, Va., $758 2. Wapakoneta, Ohio, $871 3. Chattanooga, Tenn., $911 4. Green Bay, Wis., $948 5. Raleigh, N.C., $949