Switching tires with the seasons may feel like a routine task, but it carries more weight than many drivers realize. The decision to swap winter tires for summer ones—and vice versa—does more than enhance driving performance. It also affects how insurance companies assess risk, which can influence your auto insurance premiums in Ontario.
Insurers consider several factors when determining your premium, and one of the most important is vehicle safety. Tires play a critical role here. As the only components of your car that make contact with the road, they directly affect your vehicle’s traction, stopping distance, and overall handling—especially in harsh weather.
Winter tires are specifically engineered for cold, snowy, or icy conditions. They stay flexible in low temperatures and provide superior grip on slippery surfaces. As a result, vehicles with winter tires are statistically less likely to be involved in accidents during the colder months. Fewer accidents lead to fewer claims, which is a favourable outcome for insurers.
Since January 1, 2016, Ontario has mandated that all insurers offer discounts to policyholders who use winter tires. These discounts typically range from 2% to 5% and are applied to your annual premium. The exact amount varies depending on the insurance provider and their individual guidelines.
However, to be eligible for this discount, several criteria must be met:
For example, if you pay $1,200 annually for auto insurance, a 5% winter tire discount could save you $60 each year. Over multiple winters, those savings can add up significantly—especially when combined with reduced accident risk and longer tire lifespan due to alternating between seasonal sets.
While winter tire discounts are mandated in Ontario, there are currently no standard insurance incentives specifically for using summer tires. However, that doesn't mean the benefits are non-existent.
Summer tires are designed to perform best in warmer conditions. They offer better traction, enhanced cornering, and improved braking performance on dry and wet roads. This increased performance lowers your risk of accidents during the warmer months, which may indirectly impact your premium—especially if you maintain a clean driving record with no claims.
Some insurance companies may offer optional discounts or benefits for using eco-friendly tires, low-rolling-resistance tires, or safety-enhancing modifications. These programs aren’t as widespread as the winter tire discount, but they are worth exploring if you’re a high-mileage or environmentally conscious driver.
Beyond direct discounts, proper tire changes improve your overall driving safety. That leads to fewer collisions, which reduces the likelihood of filing a claim. Fewer claims mean a lower risk profile in the eyes of insurers, which can keep your premiums from increasing over time.
Also, alternating between summer and winter tires extends the life of each set. When used only during the appropriate season, tires wear down more slowly and maintain their performance longer. This reduces the need for frequent replacements and lowers your long-term maintenance costs.
To get the most from your insurance policy and stay safe on the road, keep these tips in mind:
with the proper certification mark. This ensures full eligibility for the winter discount and maximum safety.
Save receipts, invoices, or photos as proof of installation. Provide these to your insurer when updating or renewing your policy.
Know the required installation dates for your provider to avoid disqualification from the discount.
Check tread depth, tire pressure, and condition throughout the season. Proper maintenance improves performance and ensures eligibility.
Inquire whether your insurer offers incentives for using eco-tires or for adopting other safety features.
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Posted May 29, 2025