You won't have radiant heat from your body in the car? What do you think the R value of a typical metal roof and fabric headliner is? How about a typical car window?
Do you REALLY want to get into a discussion of thermal comfort and heat movement? I find that most people don't.
The emergency blanket is 'seeing' mostly just human at body temperature, the roof of a car is 'seeing' mostly car parts at room temperature, and a bit of human at body temperature. The reflected heat in the emergency blanket case is mostly going (back) to the human, whereas in the car it is mostly going to minisculely heat those same car parts. For more info google "mean radiant temperature".
The R-value (US units) of a metal roof plus (say) 1/2" of fibrous insulation, and a liner is probably around R-1.5 to R-2.0.
The R-value (US units) of a car window is likely R-0.1 to R-0.4 (depending on coatings, and whatever that protective plastic middle layer is)
The R-value (US units) of a car window with a (1") foam insert could easily be R-2.5 to R-3.5.
[all top of my head estimates ignore inner and outer still air layers (likely identical).]
Thank you kindly.