Best Concealed Carry Insurance [2021 Update]

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?

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.

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.

Who is this for?

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.

Visit USCCA

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#2 CCW Safe

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 limit	unlimited
Criminal defense limit	unlimited
Bail amount	Up to $500,000
Compensation while in court	$250/day

Additional Discussions

Forum Thread
Reddit Thread

Visit CCW Safe

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#3 U.S. Law Shield

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:

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:

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 limit	unlimited
Criminal defense limit	unlimited
Bail amount	none
Compensation while in court	none

Additional Discussions

Visit U.S. Law Shield

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#4 Armed Citizen 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 limit	unlimited
Criminal defense limit	unlimited
Bail amount	Up to $25,000
Compensation while in court	none

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#5 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 amount	Up to $5,000
Compensation while in court	$250/day

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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!

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