Per hour driven? Perhaps. But on an annual basis? No way, if you drive every day you're absolutely going to get into more accidents than someone who just drives on the occasional weekend or on vacation.

You could probably rent a car from Avis/Hertz/etc. for a weekend 2 or 3 times a month and still be paying less than you are for insurance/maintenance/parking.

Yes, it's a bit extra work to go pick up a rental when you need it, but it's way less stress than worrying about parking or break-ins on unexpected maintenance.

Source: have lived in DTJC since 1995 without a car; had one, but it was broken into twice and then stolen and all we ever used it for was the occasional trip to the shore. No car is muuuuch nicer.