Is the winter-tire discount mandatory in Ontario?

Insurers in Ontario are required to offer a winter-tire discount, though the amount varies. We'll make sure it's applied and compare insurers' offers.

Do all-season or all-weather tires qualify?

Generally no — tires must carry the mountain/snowflake winter symbol. All-weather tires with that symbol may qualify; we'll confirm with your insurer.

How do I prove I have winter tires?

Usually a receipt or a signed declaration. We'll tell you exactly what your insurer needs and apply the discount.

Auto insurance discount

Winter Tire Insurance Discount in Ontario

Put winter tires on, and Ontario law means a discount comes off your premium.

Get a quote with this discount

Since 2016, Ontario insurers are required to offer a discount to drivers who install winter tires for the season. It's one of the easiest savings to claim — and it makes you safer on Ontario's winter roads at the same time.

We make sure your winter-tire discount is applied and that you're with an insurer that offers a competitive one.

How to qualify

Install winter tires on your vehicle for the winter season
Tires must meet the winter standard (mountain/snowflake symbol)
Provide proof (receipt or declaration) to your insurer
Available on most Ontario auto policies

Good to know

Frequently asked questions

Is the winter-tire discount mandatory in Ontario?: Insurers in Ontario are required to offer a winter-tire discount, though the amount varies. We'll make sure it's applied and compare insurers' offers.
Do all-season or all-weather tires qualify?: Generally no — tires must carry the mountain/snowflake winter symbol. All-weather tires with that symbol may qualify; we'll confirm with your insurer.
How do I prove I have winter tires?: Usually a receipt or a signed declaration. We'll tell you exactly what your insurer needs and apply the discount.

More ways to save

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