I have snow tires, it's fun in the snow, I have full coverage on this thing. I'm 20 so it costs me $180/month. I used to commute a lot, but not so much anymore.
If I got a $1.5-2k Audi A4 B5/B6, I'd be saving a lot on insurance because I could put my Golf on storage insurance, drive the Audi safely and comfortably, while paying $60(?) a month for insurance. So between storage insurance and the A4 insurance, I'd be saving almost $100 a month on insurance, have a backup car at any point that's past most of its depreciation, and be far less worried about getting into (another) fender bender from MN drivers who always act like it's the first time they've driven on ice or snow.