While I don't disagree with your math, I think that you are comparing apples and oranges here. I would much rather get rear-ended than mugged, or worse. I have a wife and young child, I would rather they get side-swiped than attacked, or worse. A minor traffic accident doesn't typically scar a person for life. Often times these commutes in large cities are long...slow commutes so we can typically rule out high-speed incidents, so death or permanent damage isn't likely.

When living in Chicagoland (and I will be moving back very soon), I chose to drive over an hour to work so that my wife would feel safe and comfortable taking our child for a walk.

I will politely add that the contrasting nature of the dangers means your research and math was a waste of time. I think any rational person would rather be the victim of a traffic accident over a violent crime any day.