Winter Tire Insurance Discount in Ontario: How to Qualify and Save
September 19, 2025
Ontario drivers can save up to 5% on auto insurance by installing certified winter tires. Learn how to qualify, meet FSRA guidelines, and stay safe on icy roads.
Driving in Ontario’s winter conditions—icy roads, heavy snow, and freezing temperatures—requires more than caution. Installing winter tires not only improves safety but also makes you eligible for a Winter Tire Insurance Discount, mandated by provincial regulators. Verge Insurance is here to help you understand the requirements and maximize your savings.
What Is the Winter Tire Insurance Discount?
The Financial Services Regulatory Authority of Ontario (FSRA) requires insurers to offer a discount to policyholders who install approved winter tires. These tires must feature the three-peaked mountain and snowflake symbol, indicating they meet winter performance standards.
- Discount range: 2% to 5%
- Eligibility: Tires must be installed on all four wheels
- Seasonal requirement: Typically from November to April
Why Winter Tires Matter
Winter tires are designed to perform in cold weather, offering better grip and control than all-season tires. Here’s why they’re essential:
- Shorter braking distance on icy roads
- Improved traction below 7°C
- Reduced accident risk, which can lower overall insurance costs
- Extended lifespan of your all-season tires when used seasonally
Note: Tires marked “M + S” (mud and snow) do not qualify for the discount.
Installation Timeframe and Insurance Compliance
Most insurers expect winter tires to be installed from November through April. While inspections are rare, failing to use the tires during this period may result in:
- Claim denial
- Loss of coverage due to misrepresentation
To stay compliant, follow your insurer’s timeframe and keep documentation of your installation.
Tire Safety Tips from MTO and Transport Canada
The Ministry of Transportation of Ontario (MTO) and Transport Canada recommend the following practices to ensure tire safety and performance:
- Use tires with the mountain snowflake symbol
- Install in sets of four
- Maintain minimum tread depth of 4 mm
- Check tire pressure regularly
- Avoid mixing tire types or tread patterns
- Replace tires when they reach tread-wear indicators
How to Qualify for the Discount
Getting the winter tire discount is simple:
- Install certified winter tires on all four wheels
- Keep your receipts for purchase and installation
- Notify your insurer or broker before the season begins
At Verge Insurance, we assist clients in confirming eligibility and applying the discount. We also offer policy reviews to help you compare auto insurance options.
FAQs: Winter Tire Insurance Discount
Q: How much can I save?
A: Most drivers save between 2–5%, depending on the insurer.
A: Most drivers save between 2–5%, depending on the insurer.
Q: Do all-season tires qualify?
A: No. Only winter tires with the snowflake and mountain symbol qualify.
A: No. Only winter tires with the snowflake and mountain symbol qualify.
Q: Should I keep my receipts?
A: Yes. Insurers may request proof before applying the discount.
A: Yes. Insurers may request proof before applying the discount.
Q: When should I install winter tires?
A: When temperatures drop below 7°C, usually in October.
A: When temperatures drop below 7°C, usually in October.
Final Thoughts
Installing winter tires is a smart move for Ontario drivers. It improves safety, reduces accident risk, and qualifies you for the Winter Tire Insurance Discount. Verge Insurance is here to help you stay compliant and save on your auto policy.
Speak with a Verge Insurance broker today to confirm your eligibility and explore the best coverage options.
Disclaimer
This article is for informational purposes only and does not constitute financial, legal, or medical advice. Please consult your broker, attorney, or advisor for guidance specific to your situation.
