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Caught Sober, Testing High? Meet Cannabis DUI Coverage

14 May 2025 / Category: Blog

Marijuana and Driving: What You Need to Know

Driving under the influence isn’t just about alcohol anymore. These days, more people are being charged with driving while high on marijuana. Whether you use cannabis regularly or just once in a while, it’s important to know the laws. This guide explains how marijuana DUI laws work, how police check for impairment, and what to do if you’re ever charged.

What Is a Marijuana DUI?

A marijuana DUI happens when someone drives a car while high on cannabis. Unlike alcohol, where the rules are based on your blood alcohol level (BAC), marijuana is harder to measure. THC—the part of marijuana that makes you feel high—can stay in your body for days or even weeks. This means someone might test positive even if they’re not currently impaired, making it more difficult to tell if a person is actually too high to drive.

Why Are Marijuana DUIs Becoming More Common?

As more states allow medical and recreational marijuana, more people are using cannabis legally. According to the National Highway Traffic Safety Administration (NHTSA), more drivers are testing positive for marijuana, especially at night on weekends. Some may not even realize they’re still affected. Because of this, police are paying closer attention and cracking down on marijuana-impaired driving.

Why Cannabis DUIs Matter

Key fact Source
THC can remain detectable hours to days after impairment ends, so sober regular
users can still test positive.
[1]
IIHS found collision claims 2-6 % higher in early-legal states versus controls. [2]
Colorado roadway deaths with ≥ 5 ng THC rose from 56 (2019) to 101 (2022) before dipping
to 87 (2023).
[3]
Washington lists cannabis as the second-most common drug in fatal crashes;
75 % of THC-positive drivers also carried alcohol/other drugs.
[4]

For insurers these trends translate into higher personal-auto loss costs, new underwriting
surcharges, and rising demand for legal-expense products.

How the 24 Legal States Handle Cannabis DUIs (May 2025)

State
(legal since)
DUI THC rule 2023-24 highlights
Alaska (2015) Effect-based (observation + lab) DRE staffing doubled; saliva pilot slated 2026.
Arizona (2021) Effect-based (zero-tolerance repealed) 2 240 drug-DUI arrests 2024; 28 % cannabis-related.
California (2018) Effect-based; no numeric limit $100 m Prop 64 grants fund DUI blitz & training. [5]
Colorado (2014) Permissible inference ≥ 5 ng THC fatals 101 → 87; “Meet the Effects” media push. [3]
Connecticut (2021) Effect-based; per-se study under way 2024 law funds roadside oral-fluid pilot.
Delaware (2023) Zero-tolerance (any THC) Task force weighing 2 ng or 5 ng limit.
Illinois (2020) Per-se 5 ng/mL blood [6] Cannabis present in 31 % of fatal drug tests 2023.
Maine (2017) Effect-based Legislature debating 5 ng limit; AAA opposes.
Maryland (2023) Effect-based 150 new DRE officers funded ahead of July 2025 retail launch.
Massachusetts (2016) Effect-based Shifting Gears” impairment module required in all driving schools. [7]
Michigan (2018) Effect-based; statewide oral-fluid pilot since 2019 661 roadside saliva tests; program extended to 2025. [8]
Minnesota (2023) Effect-based First statewide saliva-analyzer pilot (2024) under evaluation. [9]
Missouri (2023) Effect-based Drug-DUI arrests up 19 % YoY; 90 more DREs funded.
Montana (2021) Per-se 5 ng THC in 25 % of fatals; 3 ng limit proposal pending.
Nevada (2017) Per-se 2 ng [10] Statewide SoToxa rollout planned 2025.
New Jersey (2021) Effect-based; drug-influence eval required after crashes 2024 AG directive adds 4-hour blood-draw warrant rule.
New Mexico (2021) Effect-based Task force to fund 10 000 DRE training hours.
New York (2021) Effect-based Breathalyzer field trials with SUNY; results late 2025.
Ohio (2023) Per-se 2 ng blood [11] $7 m allocated to DRE & lab backlog as sales begin.
Oregon (2015) Effect-based Case-control crash study under way; saliva bill stalled.
Rhode Island (2022) Zero-tolerance “Cannabis DUI = $5 000 Fine” signage on I-95.
Vermont (2018) Effect-based 2024 law authorises VR eye-tracking impairment test.
Virginia (2021) Effect-based DUI arrests ↑ 13 % 2023→24 despite retail delay.
Washington (2012) Per-se 5 ng THC present in 33 % of 2023 fatals; 44 % poly-drug. [4]

How Big is the Risk?

  • Collision claims rise 2 – 6 % after recreational legalization.[6]
  • THC-positive drivers in fatal crashes:
    Washington rose from 22 % to 33 %; Colorado numbers nearly doubled.[7]
  • NHTSA weekend study: THC-positive drivers up 48 % since 2007.[8]

What New Technology Could Disrupt the Market?

Tech Status (May 2025) Insurance Implication
Saliva analyzers
(SoToxa, Draeger)
Pilots in MN, AL, IN, MI, CO, WI. Faster roadside confirmation could cut wrongful arrests → smaller need for defense cover.
THC breathalyzers
(Hound Labs)
First commercial units to employers 2024; law-enforcement pilots late 2025. If breath tests pinpoint <4 h impairment, insurers may bundle DUI defense with telematics.
VR / cognitive-impairment tests Field trials in VT, IL, MO. Long-term option for mixed-drug impairment; standards still years out.

Impact on the Insurance Industry

  1. Personal-auto underwriting: Cannabis DUI is still surcharged like alcohol. A separate legal-expense rider adds fee income without touching liability limits.
  2. Commercial auto & cannabis supply chains: Dispensary fleets explore bulk memberships to protect delivery drivers and avoid downtime.
  3. Legal-expense lines: First consumer micro-insurance aimed at a specific criminal charge; success may spark covers for e-scooter tickets or phone-use violations.
  4. Regulatory scrutiny: NAIC working group tracks moral-hazard concerns; Oregon’s stance hints more states may demand a full P&C license.[9]

Frequently Asked Questions

Is THC impairment treated like alcohol’s 0.08 % BAC?
Only six states set numeric THC limits; most rely on field sobriety plus lab confirmation.
Can my regular auto policy pay a cannabis-DUI lawyer?
No. Criminal defense costs are almost always excluded.
Will saliva or breath tests replace blood draws?
Pilots are promising, but no U.S. state yet accepts them as sole courtroom evidence.
Does legalization always raise crash rates?
Studies show small (2 – 6 %) but consistent bumps; speeding and alcohol remain bigger killers.
Could insurers bundle DUI defense like roadside assistance?
Several MGAs are exploring exactly that, pending regulator approval and loss-ratio data.
Does my auto policy already pay for a DUI lawyer?
No. Standard personal-auto insurance excludes criminal defense.
Is simply having THC in my system illegal?
In “per-se” states any detectable THC can trigger a DUI, even without impairment.
Does Reepher pay fines or damages?
No. It reimburses defense costs only (lawyers, towing, bail, travel time).
Won’t this insurance encourage stoned driving?
Early claims data show most payouts involve drivers who report being sober; regulators continue to monitor.
Will my premiums go up if I buy this plan?
The plan charges a flat monthly fee and does not affect your auto-policy rating.

Key Takeaways

  • Crash data show moderate increases in legalized states—insurers are watching.
  • New roadside testing tech could shrink or reshape demand.

Sources & Further Reading

  1. Axios – Cannabis DUI insurance eyes Oregon market
  2. Cannabistech – Revolutionizing Cannabis Insurance with Reepher
  3. Forbes – Insurance company launches coverage for marijuana DUIs
  4. Oregon DFR – Filing status for Reepher (Docket 24-048-INS)
  5. TechCrunch – Reepher closes Series A to expand DUI defense plans
  6. IIHS/HLDI – Crash rates after marijuana legalization
  7. University of Illinois Chicago – Hidden effects of legal weed on road safety
  8. NHTSA – Understanding how marijuana affects driving
  9. NAIC – Cannabis and Insurance Working Group (2025 update)