Find Directories That Do Not Contain A Certain File

I'm having problems figuring out the process to find directories that DO NOT contain a certain file. I have a mp3 collection that all the album art is name "folder.jpg". Not all the albums have images. I need a way to find the albums/directories that do not contain "folder.jpg". I can find the ones that do contain "folder.jpg" with

find . -iname 'folder.jpg' -print0 | xargs -0 ls >> album_art

but that is as far as my bash-fu can take me. I'm not really sure what my next step is.

Any suggestions as to how to go about this would be appreciated.

My directory structure is like such:
a-z/artist/album/folder.jpg

find . -type d | while read line; do if [ ! -f $line/folder.jpg ]; then echo $line; fi; done; >> no_album_art

You could try this (from the a-z directory)

$ find . -type f -name "folder.jpg" > album_art
$ sed -ie 's/\/folder.jpg//' album_art
$ find . -type d | grep -vf album_art