Individuals who ride public transportation instead of driving can save more than $829 this month, on average, and $9,953 annually, according to APTA’s January Transit ­Savings Report.

These savings are based on the cost of commuting by public transportation compared to the cost of owning and driving a vehicle, which includes the Jan. 16 average national gas price ($3.30 per gallon, as reported by AAA), and the average national unreserved monthly parking rate in a downtown business district ($166, according to the 2012 Colliers International Parking Rate Study). APTA’s monthly savings report analyzes how an individual in a two-person household can save money by taking public transportation and living with one less car.

APTA ranks the nation’s top 20 cities with the highest public transit ridership in order of their transit savings based on the purchase of a monthly public transit pass. The savings also factor in local gas prices for Jan. 16 and the local rate for monthly unreserved parking. The top five cities follow:

New York City, monthly savings of $1,239 with an annual savings of $14,866; Boston, $1,084 and $13,006; San Francisco, $1,083 and $13,000; Philadelphia, $1,001 and $12,016; and Chicago, $983 and $11,793.

To see the complete rankings and learn more about the monthly report, click here.