Originally Posted By: Hokiefyd
I think it's important to note that every single tire installed by Toyota at the factory, whether it's a 215/70R16 on a base model FWD, a 225/65R17 on a mid-line model, or a 235/55R18 on a Sport model, is an H-rated tire. Toyota must feel strongly enough that H-rated tires add value to the vehicle (likely in the area of safety) to make that a requirement. More on speed ratings here:
http://www.barrystiretech.com/speedratings.html
Note that Michelin will not warrant the tread life of a tire if it doesn't meet the original equipment requirements. That is, if you install a tire that is smaller or larger or doesn't bear the required speed rating, they will not pro-rate the tire based on wear-out. If you suspect that you will want to take advantage of the tread life warranty, you may want to consider this.
Page 2 of Michelin's Promise Plan describes "mis-application" as a warranty exclusion. This may not be something you're concerned with, but it is something to keep in mind.
There may also be a liability issue if you install tires with a lower speed rating than required. I suspect that Sam's Club will not do it; most tire shops will not. And for good reason. The speed rating has less to do with a vehicle's top speed and more to do with how a tire is constructed. If you get into a personal injury accident and the prosecution has a slick attorney, they could point to under-spec'd tires as a contributor to the accident. It's probably not likely, but it's a risk I personally wouldn't take. Again, you may or may not be concerned about it, but it is something to keep in mind.
I'm a Sam's Club member myself, and also typically buy Michelin tires. As you have found, they are very often the best deal out there, and sometimes by a wide margin. However, I would not recommend the Defender XT for your RAV4 because of the insufficient speed rating. I would use the Goodyear tire myself, because it is itself a very good tire, and it does come in the speed rating required by Toyota.
(Tire Rack's database may list S-rated tires as acceptable, but Tire Rack won't be your defense attorney in court. I personally use their database as tire information reference only, and not necessarily as a hard-and-fast no/no-go gauge on tire applicability.)
Read page 11 of the Michelin warranty...
IMPORTANT: It is recommended that the replacement tire speed
rating be equal to or higher than the OEM tire speed rating. If a lower
speed rated tire is selected, then the vehicle top speed becomes limited to
that of the lower speed rating selected. The customer must be informed
of the new speed restriction & the vehicle’s handling may be adversely
impacted.
Tire is still warrantied, the speed rating of the vehicle is just lowered. The vehicle is limited far below 130 MPH anyway so this is a non issue. If you cause an accident for any reason, your liability insurance will be used to pay for any damage or injury regardless of tires, so as long as you have auto insurance, again I think you're reaching a bit there.