Ontario Snow Tire Discount: Save Up to 5% on Auto Insurance in 2026
Since January 1, 2016, every auto insurer licensed in Ontario must offer a winter tire discount. Ontario is the only Canadian province with this legislation. The average discount hits 5%, or roughly $90 to $130 a year for a typical Ontario driver. Here’s how to make sure you get it.
What Ontario law actually says
Section 227 of the Insurance Act, as amended by Regulation 664, requires every Ontario auto insurer to document a discount when a vehicle is equipped with four winter tires bearing the « three-peak mountain snowflake » (3PMSF) symbol. Each insurer sets the discount level, typically between 2 and 5%.
How to activate the discount with your insurer
Three simple steps:
- Install four 3PMSF-certified winter tires between November 1 and April 1 (exact window varies by insurer).
- Document the install: garage invoice, or retailer receipt showing brand, model, size.
- Report the change to your broker or insurer directly. The discount is prorated for the remainder of the term, then renewed annually.
How much you actually save
On the Ontario average auto premium of $1,872/year (FSRA 2026), a 5% discount is $94. Over 10 years, $940 back — the price of a premium tire set. Quick city comparison:
- Brampton ($2,700) → $135/yr
- Toronto ($2,100) → $105/yr
- Ottawa ($1,400) → $70/yr
- Kingston ($1,250) → $63/yr
Pitfalls to avoid
- All-season vs 3-season tires — only 3PMSF-marked tires qualify. An M+S rating alone doesn’t cut it.
- Two winter tires only — insurers require all four; installing only two voids the discount and hurts handling (over/understeer).
- Retroactive discount — miss reporting it? Most insurers refund only the current year; document early.
Frequently asked questions
Is the discount mandatory at every Ontario insurer?
Yes, the law requires offering it; each company sets the exact amount (2 to 5%).
Is this available in Quebec?
No, it isn’t legislated there. Some Quebec insurers offer it as internal policy, but none are required to.
Do I need a certified garage to install them?
No. A retailer invoice or receipts for the four tires suffice. The insurer may request proof at claim time in winter.
Does it apply to SUVs and pickups?
Yes, including light commercial vehicles. Note: all-season M+S tires on SUVs don’t qualify.
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