Cannabis-Impaired Driving and Insurance Implications

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First published on May 24, 2020

3 minute read

✎ Updated By Vitalii Starov on September 24, 2026

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Driving while impaired by cannabis is an offence under Canada’s Criminal Code. The law also sets limits for tetrahydrocannabinol (THC) in a driver’s blood, and exceeding them is an offence even if the driver does not feel impaired.

Our editors reviewed the federal Blood Drug Concentration Regulations, Health Canada’s cannabis-impairment guidance, Ontario’s cannabis-and-driving rules, and FSRA’s auto-policy exclusions guide.

We break down Canada’s THC limits in drivers’ bloodstreams, Ontario’s own roadside rules, how police may test drivers, and potential insurance implications of collisions or Criminal Code convictions.

What Are the Cannabis-Impaired Driving Rules in Ontario?

Roadside suspensions, criminal charges, and criminal convictions for cannabis-impaired driving are different events that have different legal tests, timing, and consequences.

Under federal law, it’s illegal to drive when your ability to operate a vehicle is impaired by cannabis in any degree. Federal law also prohibits drivers from driving or having driven within the previous two hours while above certain THC blood levels.

Ontario’s zero-tolerance rules apply to some drivers, including young and novice drivers, commercial drivers, and some people who operate certain types of road-building equipment.

Federal Cannabis Limits and Criminal Penalties

Federal ruleBlood concentration within
two hours of driving
Criminal consequence
Lower THC offenceThe person’s THC level
measured within two
hours of driving is 2
ng or more but less
than 5 ng of THC per
mL of blood.
Summary offence with
a maximum $1,000 fine.
Higher THC offence5 ng or more of THC
per mL of blood
If guilty under
subsection 320.14(1),
higher penalties for
repeat offenders;
minimum fine of $1,000
for a first offence.
Combined alcohol and
THC offence
The offence is having
50 mg or more of
alcohol per 100 mL of
blood plus 2.5 ng or
more of THC per mL,
measured within two
hours of driving.
An offender could be
charged with the
alcohol and THC
offence described in
subsection 320.14(1).
Repeat offences carry
an increased penalty.
For a first offence
the minimum fine is
$1,000.
Impaired operationDoes not require a
particular THC
concentration where a
person’s ability to
operate a vehicle is
impaired to some
degree.
Penalties are outlined
in Subsection
320.14(1). Keep in
mind, penalties are
more severe where an
offence involves
injury or death.

The federal government sets these limits and criminal penalties. A court decides criminal guilt. Ontario can impose roadside and licensing penalties before a decision is made.

Ontario’s Zero-Tolerance Groups

Ontario’s zero-tolerance rules apply to drivers who are 21 or under, drive with a G1, G2, M1 or M2 licence, require an A-to-F licence or Commercial Vehicle Operator’s Registration to drive, and operate road-building equipment. Repeat offences can lead to increasing alcohol and drug-related suspension periods, administrative penalties, and education and treatment programs.

Authorized medical-cannabis users are exempt from Ontario’s zero-tolerance rule around THC. This doesn’t include federal impaired driving laws and the federal blood-drug offences. Having medical authorization to use cannabis doesn’t allow drivers to drive impaired.

How Long After Using Cannabis Is It Safe to Drive?

No set period of time is considered safe to drive after consuming cannabis. Some effects can last for hours. Health Canada advises cannabis users to make alternate transportation arrangements before consuming cannabis and not to drive after using.

Factors including how cannabis is consumed, dose, potency, whether other drugs or alcohol are also consumed and personal physiology all come into play. Guidelines such as waiting until the β€˜same day’ or β€˜next morning’ cannot assure drivers they’re safe or within legal limits to drive.

Never drive if you feel any effects from cannabis. Feeling normal does not ensure cannabis levels in your blood are under the legal limit.

How Police Check for Cannabis-Impaired Drivers

Cannabis & Driving - How Police Check for Impairment
Step or toolWhat it is used forWhat may follow
Driving observations
and roadside questions
The goal of both
observations and
questions is to try
and determine if there
is evidence of
impairment and gather
facts.
Dependent on the
observations from the
driver’s driving and
responses to roadside
questions and where
legally authorized an
approved screening
device and/or sobriety
test may be demanded.
Oral-fluid screening deviceUsed to detect recent
use of certain drugs
in oral fluid.
Additional
investigation may
follow use of an
Oral-fluid screening
device. An Oral-fluid
screening test result
is not a test of
actual
blood-concentration.
Standardized field
sobriety tests
Divided attention and
coordination are
examples of indicators
that are assessed
using Standardized
field sobriety tests.
Arrest or additional
testing may follow,
depending on the
evidence.
Drug Recognition
Expert evaluation
A structured evaluation
by a trained officer.
A demand for a
bodily-fluid sample
may follow where
authorized.
Blood sampleBlood-drug levels in
relation to federal
blood-drug offences.
A blood sample may be
used as evidence in a
criminal case.

Read More: Understand Vehicle Impoundment After an Impaired-Driving Charge

Why Cannabis-Impaired Driving Is a Big Insurance Problem

EventPossible insurance effectWhat to verify
Charge or roadside
suspension
A charge is not a
conviction. Your
insurer may ask
whether you can drive
or about any material
change in
circumstances.
Verify policy
reporting duties and
whether the vehicle
can be lawfully
driven.
ConvictionAvailability of
regular-market
insurance or high-risk
insurance depends on
insurers’ rules on
file; convictions can
affect insurance
rating and
eligibility.
Get quotes from more
than one
insurer/broker. Make
sure you know the date
of conviction, date of
licence reinstatement
etc.
Collision while
impaired
FSRA notes that your
insurer has the right
to deny paying out on
claims for vehicle
loss/damage if
alcohol/drug use
prevented you from
controlling your
vehicle or if you are
convicted of certain
offenses.
What exclusion or
denial applies in the
collision? What
happened? What
coverages are
available?
Injured peopleStatutory accident
benefits (separate
analysis required) and
liability issues.
Policy; claim
decision; legal advice
about a serious loss

What an impaired-driving conviction can do to an Ontario premium

Based on 50,000 insurance quotes collected since the start of 2026, a driver with an impaired-driving conviction could expect a hefty increase in premiums. The average Ontario annual premium for a driver with an impaired driving conviction was $5,661 compared to a driver without one at $2,345, representing an increase of $3,316 or 141.4%. Unfortunately, we don’t know if the data reflects alcohol-impaired convictions, cannabis-impaired convictions or both.

Get apples-to-apples quotes as soon as possible, and ask about high-risk options.

Read More: See How Car Insurance Works After a DUI Conviction

Read More: See How Driving Records Affect Ontario Car Insurance

Medical Cannabis and Driving: What Changes?

Please note that medical authorization for cannabis use only applies to the exception in Ontario’s zero-tolerance law. It will not protect you from an impaired-operation charge, does not change the federal blood limits, does not guarantee insurance coverage after a loss and is not clearance to drive.

  • Plan and talk with your prescriber or pharmacist about interactions or impairment; do not treat a dosing schedule as legal driving clearance.
  • Arrange a designated driver, public transit, a taxi or another place to stay before consuming cannabis.
  • Do not combine cannabis with alcohol or another impairing medication or substance and then drive.

With over a decade in Canada’s insurance sector, Aren is a leading voice in the industry, providing thought leadership on auto insurance, underwriting innovation, and how technology is reshaping insurance.

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