Winter Tires in Ontario: Not Mandatory, but Worth a Discount

Unlike Quebec, Ontario doesn't require winter tires on personal vehicles. But since 2016, Ontario auto insurers must offer a discount to drivers who install them.

What counts as a winter tire

Tires marked with the three-peak mountain and snowflake symbol, made for cold, snow and ice. All-season tires don't count.

The insurance discount

• Insurers must offer a discount if you install winter tires for the winter season.
• The amount varies between insurers.
• Your insurer may ask for proof, such as an installation receipt.

After a collision

Tires don't decide fault by themselves, but driving too fast for the conditions can lead to a ticket, and poor tires may be raised in a claim.

Studded tires

Studded tires are allowed only in some parts of Northern Ontario, and for some residents, during set months.

Prepare for winter

• Install winter tires before the first snow.
• Clear all snow and ice from windows, lights and the roof before you drive.

Sources

• Financial Services Regulatory Authority of Ontario: auto insurance
• Ontario: winter driving

Read next: Staged Collisions and Tow Scams: How to Protect Yourself

General Ontario legal information, not legal advice for your matter, and reading it does not create a retainer. Sources checked 16 October 2026: check the current law, forms and dates before you act.

Photos from Unsplash: Begin work zone, double penalties in work zones sign · Red stop sign with white lettering.

This article is general information for people in Ontario, not legal advice. Rules, forms and deadlines change, and every situation is different. Check the current rule or speak to a licensed legal professional before you act.