Concealed Carry CCW

Best Concealed Carry Insurance [2021 Update]

Our CCW Insurance Top Pick

We looked at the most popular concealed carry coverages and our favorite is the USCCA. They are a bit more expensive than the other providers but offer a lot more bang for your money!

  • Over 560,000 paying members!
  • Some of the best education and training out there, particularily for 1st time gun owners.
  • An excellent reputation amongst concealed carriers.
  • Very good value for money!
  • I’ve been using the USCCA for years and never had any issue with service etc.

Some of our team members have been personal clients of USCCA for years!

Visit USCCA

All CCW Insurance Providers Compared

Did you watch the news lately? I think we can all agree, that there was never a better time to carry.

Not only should you be armed, you should be able to defend your family without having to worry about the consequences and what happens in the aftermath.

What happens after you shoot someone in self-defense?

  • Do you call the police or 911?
  • Do you holster your gun?
  • When the police arrive, what do you tell them?
  • Should you even talk to them?
  • Should you call a lawyer?
  • What if they put you in a cell? Who do you call?

And those are the easy questions.
What about the potential lawsuits and the legal aftermath? There are countless cases where even obvious self-defense led to criminal charges and civil suits. You might very well need $100,000 or more up-front in order to defend yourself in court (this is not rare!). Not many people have that kind of money lying around.

Think about it: Even professional law enforcement officers are put on trial after they use their weapon in the line of duty. It will happen to you.

Being prepared goes beyond defending yourself with a firearm. You need to arm yourself for the days and weeks after you pull the trigger. Your freedom, life savings and future are on the line.

This is where having self-defense insurance pays off. After you were forced to defend yourself, those guys are your first call (after 911). Their critical response team is available, ALWAYS. They will tell you exactly what to do and how to behave. They will immediately provide you with an attorney who takes over the communication with the police, so you can avoid the dangers of the questioning process.

And most importantly, they will cover most of the financials. That goes for criminal defense and potential bail bonds (if you picked the right insurance). Those guys won’t leave your side until this thing is over.

Don’t have time? Here’s our Ultimate Comparison!

Now there are quite a few self-defense insurance providers on the market. They all offer very different perks and reading through their contracts can be quite daunting. What will they actually cover? Will they compensate you while in court/jail? Will they provide ongoing attorney access? Can you choose your own attorney?

Those are only a few of the questions we were asking when we compared the most popular self-defense insurances.

After over 30 hours of research our verdict is clear and our writers chose USCCA. We also give a good mention to the U.S. Law Shield and CCW Safe. Their plans do not cap the costs for criminal or civil defense costs and their plans really consider the realities of defending yourself in a self-defense incident, including often forgotten costs such as expert witness testimony and private investigators.

You Will Need Help With…

After a justified shooting, here are some areas that will probably crop up that you must be prepared to deal with.

The advantage of being a member of one of these organizations is that you would know the answers to these questions and have resources coming to aid as soon as you call them for help…

Before The Police Arrive – what do you do in the immediate aftermath, right after a shooting? Do you call the police and/or 911? What about your gun? Holster it or not?

When The Police Arrive – How will they know that you’re the “good guy”? Do you tell them everything that happened? What if they arrest you?

At The Police Station – What if they book you and put you in a cell? What information do you divulge? Suppose they arrest you and the next step is court…what about bail? How do you get your gun back that they’ve taken as evidence?

At The Preliminary Hearing – Should your lawyer be present for this formality? How do you plead?

At The Hearing (If It Goes That Far) – Hopefully by now things have been straightened out but what happens if that’s not the case? Is your lawyer “up” on self-defense laws and tactics?

There is a lot more to a self-defense shooting than you might imagine. The legal waters that you must navigate are murky and sometimes dangerous, if you are not prepared. That’s where these organizations come in – they are there to help you.

Keep in mind not all of these are “insurance”, they are actually pre-paid legal coverage accessed by membership – the upside of this is that pre-paid legal coverage is expansion and can cover all states in the US. Also, while we will do our best to help you decide on a plan, ultimately we can’t tell you which one to choose and can only give general recommendations. We don’t know your exact situation and needs, therefore please do your own due diligence before you make a decision!

#1 USCCA

The USCCA is one of the largest of its type in the US with about 560,000 paying members. They are well-known due to extensive advertising campaigns and endorsements by some pretty famous people. I rank them 1st.
USCCA Logo

Who is this for?

The USCCA is one of the best known providers of self-defense liability insurance which is included in all its membership programs.
The USCCA is one of the most popular firearms associations in the United States with over 560,000 members. Their program is focused on education, giving firearm owners, particularly first time owners, the tools to understand how to perform in a stressful self-defense situation.
For compliance reasons (insurance is carefully regulated) we cannot go into detail here but for more accurate information on their coverage, check out their website and navigate down to Delta Defense.

Negative

The USCCA leadership team is excellent but they have less ‘hands-on’ experience with law enforcement than CCW Safe. However, the USCCA makes up for that more scaled and slick operations.

Additional Discussions

Testimonials abound, with several on their website but I like to bypass what is obviously going to be good news and try to dig a little deeper into forums, unsolicited reviews, etc. Try as I might, I found very few negative comments about the USCCA – most of the folks who are members are seemingly happy with their situation (and this is definitely not the norm for all CCW insurances). I only found 2 remotely-negative comments on the BBB site, and those had to do with not receiving emails after a move and a membership issue.

USCCA Sign Up Materials
Part of the USSCA welcome package you will receive

Visit USCCA


#2 CCW Safe

CCWSafe Logo
Our 2nd CCW insurance pick is CCW Safe. Their cheapest plan starts at $14 per month or $179 per year. While not the best known provider (their marketing efforts were mostly through personal referrals) CCW Safe has an exceptional program which is run by a highly experienced team, whose ex law enforcement backgrounds enable them to focus on the practical realities of defending yourself, which is invaluable.

Visit CCW Safe

Positive

Let’s start with the really outstanding thing first, they offer unlimited coverage for criminal and civil defense, including private investigators and expert witnesses. Another aspect where they take the first place is their bail bond coverage where they offer an impressive $500,000. Keep in mind all this is still part of their cheapest plan.

Negative

While they do offer compensation for days in court, it’s rather low with about $250 per day. What some people might also criticize is their limitations in terms of which attorney you can pick. While they kind of let you pick your own, they have the option to decline your choice. The reason they do that is so they can make sure you have an experienced attorney on your side and they are able to clear your name as quickly as possible. After all, the longer trial, the more it will cost them.

Financials

Monthly cost$14/mo
Civil defense limitunlimited
Criminal defense limitunlimited
Bail amountUp to $500,000
Compensation while in court$250/day

Additional Discussions

Forum Thread
Reddit Thread

Visit CCW Safe


#3 U.S. Law Shield


USLawShield Logo

Our third choice, the U.S. Law Shield organization was founded in 2009 and covers 575,000 members. Fees for a single member are $10.95 per month or $131.40 per year for their basic plan, with a a one-time $19.95 fee for each adult covered. So this is about half the price of the USCCA and you will see why.

Visit U.S. Law Shield

Fully Customizable Membership

I have to start with saying:

The US Law Shield membership is an absolute bargain and offers outstanding value. We also spoke to them and really like that their founding team came from a legal background – just as CCW Safe know law enforcement, the US Law Shield really know legal defense excellence.
For $10.95 you get unlimited civil and criminal defense litigation coverage. It really doesn’t get any better than this. So what’s missing you might ask. The $10.95 membership will only protect you in your home state, will not cover your bail and you will not be compensated for days spent in court.

To be honest, for me the missing bail coverage would be a deal breaker, after all that’s exactly what you want from your self-defense insurance, to cover the astronomic fees you might face in a worst case scenario. So why is the US Law Shield ranked second? Here comes the interesting part:

The US Law Shield offers a membership you can tailor to your own needs, meaning you will only pay for what you really want. This can save you money and I really like the concept. Want them to cover your bail up to $50,000? No problem. Just add the “Bail Bond & Expert Witness” package to your membership for $35.40 per year or $2.95 per month. Want to be covered in more than one state? Easy, the multi-state protection add-on will do so. Want your minor children to be covered? There is an add-on. You get the idea. Basically you can build your membership, like Lego.

Negative

One thing you should be aware of is that they will choose your attorney.

Now the reason for that is probably quite simple, they want you to win and they don’t want to burn money. In order to ensure that they have to make sure you have a good attorney and you don’t choose “Rob”, the guy you know from high school who barely passed the bar exam. This might be a deal breaker to some, but keep in mind it’s in their interest to pick the best possible attorney for you.

Additionally you can contact them upfront and request information about the attorneys that are likely going to take on your case, depending on where you live. We recommend looking them up, maybe even have a chat with them. There is high chance you will be more than satisfied with their choice.

Like with all of these plans there is fine print. The conditions vary by state; in my state, you may be refused coverage if:

  • You are not in “legal possession” of the weapon. This definition varies by state;
  • You are not in an area where guns may be legally carried (movie theater gun-free zone?)
  • You are using your gun in your job, if being armed is part of your job. (Security guard, police, etc.)
  • You use a gun in a shooting of a current or former family member (or dating relationship).
And probably most importantly, their “Bail Bond & Expert Witness” package is only available in TX, OK, and PA. Unfortunately that makes them a lot less attractive if you aren’t living in one of these three states.

Financials

Again, we are looking at their basic plan without add-ons.

Monthly cost$10.95/mo
Civil defense limitunlimited
Criminal defense limitunlimited
Bail amountnone
Compensation while in courtnone

Additional Discussions

Forum and Reddit Discussions

Visit U.S. Law Shield


Armed Citizens Legal Defense Network

The ACLDN is similar in some ways to the USCCA while doing some things differently. In terms of cost/benefits, there is only one level. Members pay $135 for their first year’s membership and $95 per year after the first year. What do you get for your premium fee? First, you get $25,000 for bail expenses. Immediately after that, another $25,000 is forwarded to the members’ attorney to get the ball rolling legally.

What else do you get?

When you sign up with the ACLDN, you will receive access to an online monthly publication, a 235-page book that covers various aspects of self-defense and an 8-DVD educational set from legal professionals and instructors. The book and DVD cover, among other things

  1. What the legal parameters are in relationship to a defensive shooting;
  2. How to deal with your personal trauma after having to use lethal force;
  3. Legal concerns that most probably will arise as you navigate the legal waters

Positive

Getting unlimited civil and criminal defense coverage for $12 a month is a good deal. Additionally they let you choose your own attorney.

Negative

Of course their coverage is not really unlimited. Even an insurance can go bankrupt and so can the ACLDN. This is why their plan only covers up to half of their defense fund. While this might be more than enough today, there simply is no guarantee that this will be the case in a year from now and with larger organizations like USCCA this risk is definitely smaller.

Financials

Monthly cost$ 12/mo
Civil defense limitunlimited
Criminal defense limitunlimited
Bail amountUp to $25,000
Compensation while in courtnone

#5 Second Call Defense

Second Call Defense

Another contender is Second Call Defense, their entry level plan comes in at $9.95 per month and is the cheapest option we found, however for this comparison, we will look at their “Full Coverage” plan for $14.95 per month.

Positive

They offer $250 compensation for days spent in court, they let you pick your own attorney and pay the money up front (as does every organization on this list). Looking just at this, they do check all the major boxes.

Negative

Their limits are just not very competitive. With their “Full Coverage” plan, you get up to $500,000 in civil defense and up to $50,000 in criminal defense coverage, in terms of cash for bond they offer $5000 and as mentioned earlier, you get $250 per diem. Not horrible, but not great either, as for a similar monthly fee other plans on this list offer more.

Financials

Here we are not looking at their cheapest but at their mid tier plan:

Monthly cost$14.95/mo
Civil defense limit$500,000
Criminal defense limit$50,000
Bail amountUp to $5,000
Compensation while in court$250/day

Frequently Asked Questions

What does “CCW” stand for?

CCW stands for “Carry a Concealed Weapon”

Is concealed carry insurance worth it?

Yes, if you carry for self-defense, concealed carry insurance is worth it. Knowing that using your firearm for self-defense won’t financially ruin you is definitely worth the small monthly fee those plans cost.

Do you really need CCW insurance?

The short answer is: Probably yes. There are no reasons not to have one if you carry a firearm for self-defense. Legal costs after a self-defense shooting can easily reach $500,000 and not many people can pay this sum out of pocket.

Is Concealed Carry insurance required by law?

No, concealed carry insurance is not required by law. It is an optional coverage you should consider, if you want to protect yourself against the often financially devastating lawsuit following any kind of self-defense with a firearm.

How Much Does Concealed Carry Insurance cost?

Concealed Carry Insurance costs between $11 and $47 per month, depending on the coverage and company you choose.

How much does it cost to defend yourself after a shooting?

The legal aftermath after a shooting in self defense can easily cost you $300,000 to $600,000, depending on the case. Sometimes even more.

What is the best concealed carry insurance?

The best concealed carry insurance for most gun owners is the USCCA.

Does the NRA offer concealed carry insurance?

The NRA used to offer concealed carry insurance called “Carry Guard”. They discontinued this program in 2019 and so far there is no replacement.

Conclusions

So you see, there are several organizations out there who want to protect you in the event of a self-defense shooting…it’s just that they vary in their philosophies and coverages. I would want to know that, in the event of a shooting, I would have every available resource at my side that my organization offers and that they would basically “drop everything” and get there to help me as soon as I call them. If you have any questions about any of these groups, look at their website and call them – they will be happy to help you. With our society in the state that it’s in today, maybe signing up with one of these groups may not be a bad idea!

Advice, graphics, images, videos, and information contained on Sniper Country is presented for general educational and information purposes only. It is not intended to be legal, medical or other expert advice or services, and should not be used in place of consultation with appropriate professionals such as gunsmiths or lawyers. The information contained in this site is to be used at your own risk based on your own judgement. You assume full responsibility and liability for your own actions. Please read our disclaimer for more information.

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25 comments
  1. If these are considered “Legal Defense Services” can one belong to more than one and receive services from multiple companies at the time of need? This would be in direct opposition to insurance companies which do not allow multiple company payouts. If one can use multiple, I would suggest that is VERY beneficial – receiving multiple payouts, but more importantly, creating a “specialized” service.

    1. Very interesting question. Unfortunately we don’t have an answer for you at the moment. When we know more we’ll update this part.
      EDIT: This depends on the specific Service and if it qualifies as an insurance (not all of them do). You’d need to check back with their customer support and make sure to get a written answer if you rely on it.

  2. Thanks for a great review Mike! I like your included links. Trying to sort out the differing insurance plans is a time-consuming headache, so your time is appreciated.

  3. Mike.. u mention that a few of these do not provide coverage for any work or ‘duty’ type situation..
    I carry (for personal defense) in my capacity as a private investigator/process server..(i.e NOT as armed security/bodyguard)
    Having read the ‘fine print’ do any of the plans reviewed cover this capacity?

    1. Hi Dale,
      jumping in here for Mike. For such specific questions we recommend asking the insurances directly. All of them will be very happy to help you and have great customer support. Just to be sure, get their answer in writing, so you are on the safe side in case anything happens.

  4. I am glad you published this information . I had never considered the possibility of being caught up in the aftermath of a gunfight. Thank you.

    1. Howard, it’s something we all have to think about – rather have and not need it than the other way around. Thanks for writing!

  5. After two years of state investigations and numerous lawsuits, the National Rifle Association has stopped offering its Carry Guard self-defense insurance products. The Carry Guard website has been stripped of all mentions of insurance.

    Apparently no new plans are being issued but they do intend to launch a new insurance program in the future. All this because the anti-gun folks in New York and other places have figured out that continuous litigation or as I call it, the death of a thousand cuts, is a viable way to interfere with lawful commerce involving firearms.

    1. David, unfortunately you’re right – I hate to see it come to this, but we must all face facts and do what we can. Thanks for writing!

  6. Thank you for a very detailed report. I had previously looked into USCCA (they sent me a cool T-shirt) but in one or more of the pluther of emails that have followed the founder keeps saying that if you decide to carry you need $50K in a bank account just to be able to make bail. And the way he puts it in the video that’s even with his coverage. That’s different than the information shown in the charts they provided to you.
    Based on my understanding my wife and I, decided not to carry because that $50K is our WTSHTF fund and our nest egg. I will be contacting USCCA to clarify this ambiguity. Thank you again for a great article.

  7. Great article and thank you for helping me sort through the various plans. I just received my concealed carry license and the instructor recommended insurance. Like you, the would not specifically recommend one (understandably so). This consolidated information made my decision much easier. Thank you again!

    1. Mark, too bad. Are there any options in your homeowner’s policy that would cover an incident that happened at your home at least? Liberal states have different rules at times, to be sure. I appreciate your comments!

  8. Thanks for compiling all this information. I wanted to go with your first choices but they do not make themselves available to residents of Puerto Rico – only cover residents of the USA who travel there. ACLDN is the only one of the group that will admit PR residents. I would like to point out that when I inquired with ACLDN they clarified that their program is not “insurance” but a network of members; a fund. It seems that your coverage is at the discretion of the president when you have a claim. Left me with a feeling the coverage would not be there if I need it. Certainly a possibility. Still looking….

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