Quick Answer: Is Transit Cheaper and Cleaner Than Driving?
Cost: Transit = Fare × 2 × Days a week × 52 against Driving = Round-trip miles × Days × 52 × (Gas price ÷ MPG + Operating cost a mile). Emissions: your car at 8,887 g CO2 ÷ MPG per mile against 431 g per passenger-mile for a bus or 77 g for rail, the Congressional Budget Office's 2019 national averages of 0.95 lb and 0.17 lb.
A 20-mile rail commute, five days a week, $3.00 a ride, against a 24 mpg car at $3.50 gas with $0.10 a mile of running cost: transit $1,560 a year, driving $2,557, so rail saves $997. The car emits 370 g a mile against rail's 77, which over 10,400 commuting miles avoids 3.05 tonnes of CO2 a year.
Rail usually wins on both counts. The bus is the interesting case: at average US occupancy, 431 g per passenger-mile is more than a 24 mpg car driven alone, so the bus can save money while emitting more per rider.