Texas separates license suspension from insurance filing. The ALR hearing window closes 15 days after arrest, but the SR-22 filing period starts only when DPS orders it.
What Happens Between the Arrest and the DPS Letter
The Texas Department of Public Safety triggers two parallel processes after a DUI arrest or refusal: the Administrative License Revocation hearing, which you must request within 15 days of arrest, and the SR-22 filing requirement, which DPS orders after the ALR hearing or conviction. Most drivers receive the DPS suspension notice 30-45 days after arrest, well after the ALR request window has closed.
The ALR hearing is your only opportunity to contest the administrative suspension before it takes effect. If you miss the 15-day request deadline, the suspension becomes automatic on the 40th day after arrest. This suspension is separate from any criminal court outcome and triggers immediately even if your court case is pending.
Your insurance carrier will not notify you of the SR-22 requirement until DPS processes the suspension order and sends filing instructions to the carrier on record. By that point, the ALR window is closed and the suspension timeline is locked. The SR-22 filing itself does not prevent suspension—it only allows reinstatement after the suspension period ends.
How the ALR Hearing Affects Your License Timeline
Requesting an ALR hearing within 15 days of arrest delays the suspension until the hearing concludes. The hearing typically occurs 30-60 days after your request. If you win the ALR hearing, DPS does not impose the administrative suspension, though a criminal conviction can still trigger a separate suspension later.
If you lose the ALR hearing or miss the request deadline, the suspension period depends on the violation trigger. A first DUI arrest with BAC over 0.08% triggers a 90-day suspension. A refusal to submit to testing triggers a 180-day suspension for a first offense. These timelines start on the 40th day after arrest if no hearing was requested, or immediately after an ALR hearing loss.
During the suspension, Texas does not offer an occupational or restricted license for DUI-related ALR suspensions. You cannot legally drive until the full suspension period ends and you file SR-22 proof of insurance with DPS. The gap between arrest and reinstatement typically spans 4-7 months for drivers who miss the ALR request window.
When DPS Orders SR-22 and What It Costs
DPS requires SR-22 filing after an ALR suspension or a DUI conviction. The SR-22 filing period lasts 2 years from the date DPS issues the reinstatement order, not from the arrest date or conviction date. If your license lapses during the SR-22 period, the 2-year clock resets from the date you refile.
The SR-22 form itself costs $15-$25 from most carriers. The insurance rate increase triggered by the DUI conviction is the larger cost. Texas drivers with a DUI conviction typically see premiums increase 60-90% at their next renewal, translating to an additional $1,200-$2,400 per year for a driver who previously paid $2,000 annually. This surcharge persists for 3-5 years on most carrier underwriting schedules, independent of the 2-year SR-22 filing requirement.
Non-standard carriers writing SR-22 policies in Texas include The General, Direct Auto, Acceptance Insurance, and Dairyland. Preferred carriers like State Farm and Progressive typically decline to renew DUI-convicted drivers at standard rates, pushing them into non-standard markets where full coverage premiums range from $240-$380 per month.
How to Reinstate After the Suspension Ends
Reinstatement requires three steps completed in sequence. First, complete the full suspension period—DPS will not process early reinstatement for ALR suspensions. Second, obtain SR-22 insurance from a Texas-licensed carrier and have the carrier file the SR-22 form electronically with DPS. Third, pay the $125 reinstatement fee online through the Texas DPS website or in person at a driver license office.
The SR-22 filing must be active before you pay the reinstatement fee. DPS processes electronic SR-22 filings within 2-3 business days. Paper filings take 7-10 business days. Your license remains suspended until DPS confirms receipt of both the SR-22 filing and the reinstatement fee payment.
Once reinstated, you must maintain continuous SR-22 coverage for 2 years. If your carrier cancels your policy or you allow it to lapse, the carrier notifies DPS within 10 days and DPS suspends your license again. The 2-year SR-22 period resets from the date you refile after a lapse, extending the total compliance window.
What the Point System Does Separately From SR-22
Texas uses a separate point system for moving violations unrelated to DUI offenses. A speeding ticket adds 2 points, running a red light adds 3 points, and an at-fault accident adds 3 points. Points remain on your driving record for 3 years from the conviction date and affect your insurance rates independently of any SR-22 requirement.
Accumulating 6 or more points in a 3-year period does not trigger license suspension in Texas, but it does qualify you for a Driver Responsibility Program surcharge if the violations occurred before September 2019. Under current rules, DPS assesses surcharges only for specific high-risk violations like DUI or driving without insurance, not for accumulated points.
Carriers apply surcharges to both point violations and DUI convictions, but the rate impact differs. A single speeding ticket typically increases premiums 15-25% for 3 years. A DUI conviction increases premiums 60-90% for 3-5 years and often moves the driver from preferred to non-standard market tiers. The two surcharge types stack—if you have both a DUI and a speeding ticket, carriers apply both increases at renewal.
How Long the Rate Impact Lasts After SR-22 Ends
The SR-22 filing period ends 2 years after reinstatement, but the DUI conviction remains on your driving record for insurance underwriting purposes for 5-10 years depending on the carrier. Most carriers review violations on a 3-year or 5-year lookback window. Progressive and Geico use a 3-year window; State Farm and Allstate use a 5-year window.
Once the SR-22 requirement ends, you can request your carrier remove the filing and re-quote you at standard rates. Some carriers automatically re-rate at the end of the SR-22 period; others require you to request a policy review at renewal. If your carrier does not offer competitive rates after SR-22 ends, shopping with a standard-market carrier becomes viable once the conviction ages past the carrier's lookback threshold.
Drivers who maintain continuous coverage and avoid new violations during the SR-22 period typically see rates drop 30-50% when they re-shop after the SR-22 ends and the conviction reaches the 3-5 year mark. The rate never fully returns to pre-DUI levels unless the conviction falls outside the carrier's underwriting window entirely, which takes 5-10 years depending on the carrier.