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Best Concealed Carry Insurance Comparison [2020]

“You’ve got to be prepared for anything, anytime, anywhere… I felt I was able to do the right thing and be protected as a law-abiding citizen…”

-David Jackson, USCCA Member, South Carolina
Shot Armed Robbers Who Threatened The Lives Of Innocent Barbershop Patrons And His Frightened Children…

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.

But what actually happens after you shot 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? 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.

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 5 most popular self-defense insurances. After over 30 hours of research our verdict is clear and our authors choose the USCCA. Their plans offer up to $2,000,000 in civil defense and damage protection, they cover all legal weapons, allow you to choose your own attorney (if you want to) and much more. They tick all the boxes and starting at $22 per month, they are very reasonably priced.

In short, you can’t really go wrong with them and on top of that, they offer a 365-day, money-back guarantee. One call and you’ll receive a prompt and courteous refund.

Our Favorite:
#1 USCCA
We looked at 5 different Concealed Carry Insurances and our favorite is the USCCA. They offer up to $2,000,000 Civil Defense & Damages Protection and are the most popular choice in the US. You can learn more here.


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.

Want a real world story? Here is David’s, a guy from South Carolina who protected himself, his family and complete strangers when two armed thugs tried to rob a barbershop. Good thing he was prepared and a USCCA member.

Legal Expenses

Even if you are acquitted and released, you will still have many thousands of dollars of legal fees after a (most probably) lengthy trial.

Here’s where these types of organizations can help you. They will, in varying degrees, help with your legal defense and expenses. Some offer other services such as help with training and equipment selection. All CCW self-defense companies are not created equally, however… some are better than others at protecting you.

Read The Fine Print

As I was told by noted international firearms trainer/expert witness/gun writer Massad Ayoob when I asked him how he recommends students look for this type of insurance, here’s his reply:

Massad Ayoob
Massad Ayoob

“Basically, I tell my students to read the fine print. I would avoid any plan that says “We’ll pay after you’ve been acquitted,” since you may need six figures up-front for your attorney to get acquitted in the first place. I would avoid any policy that says it won’t pay if you’re convicted of any crime. (A 15-round magazine that was legal in New Jersey last month is as of now a felony there, and I’m sure a lot of law-abiding gun owners haven’t got the word.) At least one firm says zero alcohol tolerance, and if you’ve had one drink with dinner and need to defend yourself in the restaurant parking lot, they have no obligation to assist you.”

So…where do we start?

Let’s look at these five organizations and do a little comparing of services. We’ll look at costs and coverage, and any other pertinent information that might help you decide whether to join one of these or not. At least you’ll get a basic understanding of how each group works.

Here are five of the top national organizations that offer CCW insurance:

Concealed Carry Insurance Comparison Chart

There are a number of factors you should consider and finding each individual term in those lengthy contracts can be challenging. We chose the top tier plans (most expensive) from each organization and compared them. If you are okay with lower coverage there are plans available for as low as $22 per month. Here is a chart that compares the essential features:

Concealed Carry Insurance Comparison Chart 2020 Update
Click the image for the full-size version

If you want more detailed information, please visit the groups’ websites. Also, as Mas Ayoob states above, read the fine print. There are big differences between the groups’ coverages.

#1 USCCA

The USCCA is the largest of its type in the US with about 350,000 paying members. It may be perhaps the most recognizable, due to its extensive advertising campaign and its endorsement by some pretty famous people.

USCCA Logo

Positive

Being the leader in this industry for a while you can be sure that this is a company with experience. Even their cheapest plan will cover all legal weapons, so they are not limited to guns. They cover the entire US (except New Jersey, New York and Washington) instead of only a few selected states. They let you choose your own attorney, in case you want that, or you can simply pick one from their network.

They offer a 365-day, money-back guarantee. Meaning it takes one call and you’ll receive a refund.

Additionally to the financial coverage, ALL plans offer the following:

Full list of features
  • 24/7/365 Access To The USCCA Critical Response Team
  • No Annual Limits – Benefits By Occurrence
  • Up-Front Bail Bond Funding
  • Members-Only Deals And Discounts
  • Local Attorney Coordination
  • Firearm Theft Liability Coverage
  • Wage Compensation While In Court
  • Complete Subscription To Concealed Carry Magazine Included
  • 100% Up-Front Coverage (No Deductible. No Reimbursement.)
  • Covers Use Of All Legal Weapons
  • Attorney Counseling by USCCA Legal Advisory Board
  • Expert Witness Coordination
  • Interrogation And Grand Jury Protection
  • Members-Only Online Video Library And Article Vault

Negative

There really is not much to say here. If we could change one thing we would probably prefer individual coverage for bail bond and criminal defense, but sum is reasonably high so that shouldn’t really be an issue. Their Platinum plan is the way to go if you want to be on the save side.

Financials

So after the comparison chart in the entry section looked at the most expensive plans, we are now going to look at the cheapest plan for each organization.

Monthly cost$22/mo
Civil defense limit$500,000
Criminal defense limit$100,000
Bail amount$100,000 (shared with criminal defense budget)
Compensation while in court$750/day

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.

Our Full USCCA Review
Reddit Thread
CalGuns Thread
USACarry Thread on NRA vs USSCA

It seems that the USCCA is for real and has the membership to prove it. There is a reason they are the most popular CCW insurance in the US. You can learn more about their membership here (click).


#2 ACLDN

Our second organization, 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. Then, to quote their website: “In addition, if the member is charged with a crime or sued in civil court, the Network provides additional funding for a vigorous defense of the member’s justifiable self-defense actions. Additional defense funding is available for appeals where there are appealable issues, and retrials, as well.”

ACLDN CCW insurance Perks

This organizations receives its funding from four sources: Dues Allocation, Corporate Donations, Bequests and Personal Donations. They are not as specific as to exact amounts they will pay out but they seem to be well-respected in the gun community.

What 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

The monetary pay-outs are not quite on a par with those of the USCCA, but the ACLDN excels at training and delivers a lot of helpful information concerning your rights in relationship to a justified shooting.


#3 U.S. & Texas Law Shield

USLawShield Logo

Our third group,The U.S. & Texas Law Shield organization was founded in 2009. Premium fees for a single member are $10.95 per month or $131.40 per year, with two adults covered at $22.90 per month or $240 per year. There is a one-time $19.95 fee for each adult covered. Here’s an overview from their website of what’s covered…

U.S. Law Shield Members Receive:

  • 24/7 access to attorney-answered hotline;
  • Member perks including offers and discounts on classes, firearms, optics and more;
  • Zero attorney’s fees for covered events;
  • No caps or deductibles;
  • Legal coverage for both Criminal and Civil proceedings;
  • Seminars with lawyers and self-defense instructors

There are add-ons that you can buy in addition to the coverages above – they include gunowner ID Theft for $6.95/month or $83.40/year and minor children coverage for $2.00/month or $24.00/year.

One major difference between this organization and others is that you are covered only in your own state unless you buy multi-state protection:

Multi-State Protection

For $2.95 per month or $35.40 per year, members can receive the legal benefits that they are accorded in their home state while traveling in other states plus Washington, D.C. with the Multi-State Protection Plan.

Interesting Facts

I found some interesting facts about the U.S. Law Shield’s coverage:

  • Like some others, any legal weapon is covered, not just guns;
  • You are covered if you are involved in an out-of-state shooting only if you’ve purchased the multi-state plan;
  • There is no limit to the number of hours they’ll pay a lawyer for your defense;
  • The program covers accidental discharges. I think that’s a great idea.
  • You don’t have to shoot someone to be covered. In some states, just showing a weapon in order to cause a bad guy to back off is a crime. With this program, that would be covered. Another great idea!

Is The Shield Worth It?

It seems like a good plan, but there is some 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).

So, if you are OK with the limitations, check out the U.S. Law Shield.

Financials

Again, we are looking their cheapest plan:

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

Additional Discussions

Reddit Thread 1
Reddit Thread 2


#4 NRA Carry Guard: NOT AVAILABLE ANYMORE

NRA Carry Guard Logo

“After two years of state investigations and numerous lawsuits, the National Rifle Association has stopped offering its Carry Guard self-defense insurance products.”
The Trace

The fourth group is the NRA Carry Guard. The NRA is nothing if not thorough in its involvement with firearms and related activities. In 2017, they launched their version of concealed carry/self-defense resources, but like so many things they do, it encompasses more than just concealed carry insurance. When you go to their website, you are inundated with graphics and information about training options, videos, resources of all types…and a free seven-page .PDF brochure that you can download called “The Aftermath” that tells you what to expect after a self-defense shooting, from the time the police arrive to what happens to your gun to what happens in court. It’s definitely worth a look.

Something New – Lockton Affinity

Carry Guard has a new insurance company that will cover you in the event of a self-defense shooting. It is Lockton Affinity, and it offers three levels:

Gold Plus $43.74/month, $508.72/year
$1,500,000, Insurance Protection
$1,500,000, Civil Protection
$250,000 Criminal Defense

Gold $29.61/month, $341.52/year
$1,000,000, Insurance Protection
$1,000,000, Civil Protection
$150,000 Criminal Defense

Silver $22.89/month, $257.92/year
$500,000 Insurance Protection
$500,000 Civil Protection
$100,000 Criminal Defense

Bronze $16.17/month, $174.33/year
$250,000 Insurance Protection
$250,000 Civil Protection
$50,000 Criminal Defense

What will those fees buy you? Here’s a screenshot of benefits…

NRA Carry Guard Concealed Carry Insurance Perks

There are a few differences between Carry Guard insurance and some others … your spouse is covered at no additional charge, for example. The insurance component is new for Carry Guard, as before it was largely not available. N.R.A. Carry Guard has always been a leader in training and related resources, and now they’ve added actual coverage for members.

Training, Etc.

Carry Guard has many training resources including videos and where to go to attend live training classes. They are interested in developing leaders and have information about firearms instructors (and how to be an instructor). News items concerning such topics as pepper spray, calibers, putting the gun back in your holster, etc. are to found here as well. The information offered is well worth a look. The NRA’s approach is, first, how to avoid a deadly situation and secondly, what to do if you are involved in one – that’s where the training comes in.

If you are an NRA member, you are probably swamped with offers from them – I know I get a lot – but this is one service they provide that you might want to check out.

Additional Discussions

USACarry Thread on NRA vs USSCA
Reddit Thread


#5 CCW Safe

CCWSafe Logo

Our final organization, CCW Safe offers members protection needed in the event of a legal self-defense shooting incident. Their website is colorful, graphics-oriented and informative. Here, in a nutshell, are their levels of coverage (for state CCW permit holders):

Ultimate

Starting at $499 per year – here is what it covers, and doesn’t cover:

  • Access to a 24-hour emergency hotline
  • Attorney fees
  • Investigators fees
  • Experts (witnesses, I assume)
  • Appeals and Firearm Replacement during trial
  • Up to $350 a day work loss while in criminal or civil trial
  • Up to 40 sessions (up to $6k) for a licensed counselor
  • Up to $3k for crime scene clean-up home

The Ultimate Plan is an annual membership and coverage is good for one year with automatic renewal.

The Ultimate Plan doesn’t cover:

  • force used against other family members
  • force used against people who are in your house with permission
  • any force that is not in self defense
  • restrictions listed in their Terms of Service

Some of the restrictions are notable – what if a “chemically-altered” (read: high) distant family relative drives to your town, looks you up and demands the “money you owe me” at knife-point? You barely recognize him but your life is in danger – if you shoot him this group will not cover you according to their Restrictions. Another point…even if he is not related, if you let him into your house, you’re not covered. Again, read the fine print and the Terms of Service.

Defender

Starting at $179 per year, includes:

  • access to a 24-hour emergency hotline
  • critical response team on site
  • $500,000 bail coverage
  • vetting of Attorneys by National Trial Counsel
  • unlimited attorney fees covered up front
  • unlimited investigators covered up front
  • unlimited expert witnesses covered up front
  • all trial costs covered up front
  • firearm replacement during trial
  • up to $250 a day work loss while in criminal or civil trial
  • up to 10 sessions (up to $4k) for a licensed counselor
  • up to $3,000 for crime scene clean-up home
  • appeals and expungement covered

Availabe add ons:
You can add your spouse for $100, $1,000,000 bail coverage for $50, and $1,000,000 dedicated civil liability for $220

Protector

Starting at $149 per year for active or retired law enforcement or military with a CCW permit. The coverage is identical to that at the Defender level with one change: spouse and children under 18 are covered in your home only.

Here’s its breakdown:

  • access to a 24-hour emergency hotline
  • critical response team on site
  • $500,000 bail coverage
  • vetting of Attorneys by National Trial Counsel
  • unlimited attorney fees covered up front
  • unlimited investigators covered up front
  • unlimited expert witnesses covered up front
  • all trial costs covered up front
  • firearm replacement during trial
  • up to $250 a day work loss while in criminal or civil trial
  • up to 10 sessions (up to $4k) for a licensed counselor
  • up to $3,000 for crime scene clean-up home
  • appeals and expungement covered

Availabe add ons:
You can add your spouse for $100, $1,000,000 bail coverage for $50, and $1,000,000 dedicated civil liability for $220.

These Plans Are For Permit Holders. I Don’t Have A Permit-Can I Be Covered?

Constitutional Carry Plan

If your state doesn’t issue permits but allows you to carry in a “Constitutional Carry” state, you can still get coverage. Here’s what you get with the Constitutional Carry Plan:

  • access to a 24-hour emergency hotline;
  • attorney fees;
  • investigators fees;
  • experts;
  • appeals and Firearm Replacement during trial;
  • up to $250 a day work loss while in criminal or civil trial;
  • up to 10 sessions (up to $4k) for a licensed counselor;
  • up to $3k for crime scene clean-up home if needed

With the Constitutional Carry Plan, the following is not covered:

  • force used against other family members;
  • force used against people who are in your house with permission or invite;
  • any force that is not in self defense;
  • coverage outside of the resident state;
  • travel by vehicle outside the resident state;
  • restrictions listed in Terms of Service

The Home Defense Plan

There is also a Home Defense Plan, with benefits that cover you in the event of a shooting during a burglary, deadly assault, robbery or home invasion. It includes:

  • access to a 24-hour emergency hotline
  • attorney fees
  • investigators fees
  • experts
  • up to $250 a day work loss while in criminal or civil trial
  • up to 10 sessions (up to $4k) for a licensed counselor
  • up to $3k for crime scene clean-up home if needed

It will not cover:

  • force used against other family members
  • force used against people who are in your house with permission or invite
  • any force that is not in self defense
  • restrictions listed in Terms of Service

So, you can be covered in your home even if you don’t have a state-issued permit. This is a good idea, as some plans can be more limited in their coverage when you are in your home. Notice it covers events such as robbery and burglary – if you feel your life is in danger regardless of the reason, the plan should cover you. Obviously, if you use deadly force against a person who is just in your home but doesn’t pose a threat, you might be standing on some thin ice. Check with your local law enforcement agency to clarify your rights.

Other “Restrictions of Service” Include, But Are Not Limited To:

  • accidental discharge;
  • if you are judgement-impaired via use of a “substance that alters judgement”;
  • domestic violence;
  • invalid permit;
  • on-duty incident coverage – peace officers, etc.

Additional Discussions

Forum Thread
Reddit Thread

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 a call to 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.

Mike
Written by Mike

Mike has been a shooter, bullet caster and reloader for over 40 years. Never one to be satisfied with the status quo, he is often found at his reloading bench concocting yet another load. With a target range in his backyard and after 40 years of shooting, his knowledge of firearms and reloading is fairly extensive. He is married, with four sons and daughters-law and 8-and-counting grandkids.

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