Best Concealed Carry Insurance [2021]

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So, you’ve just received your concealed carry license and now you want to go for the very important concealed carry insurance.

This is one of the best decisions a responsible gun owner could make.

After receiving their concealed carry license (CCL), gun owners usually go for concealed carry weapon (CCW) insurance to take care of the potential legal issues of owning and using a concealed carry for self-defense and home defense.

In this compact guide, we’ll look into concealed carry insurance, cover all the important topics, and check out the best concealed carry insurance services and the policies they offer.

What’s Concealed Carry Insurance and Why Do I Need It?

Concealed carry insurance is a firearms coverage that offers protection benefits when you use your registered firearm in a self-defense or home-defense situation. It’s also called CCW insurance or firearm liability insurance.

A lot of policies provide coverage for civil court proceedings such as when you’re sued by an involved party in a self-defense/home-defense incident.

Concealed carry insurance is a relatively new law concept because of the rising number of registered concealed carry gun owners in the US.

Concealed Carry Insurance Is Not Technically Insurance

The “concealed carry insurance” term is a misnomer and the whole thing is very complex for us to cover in detail.

All situations and viable reasons to be sued for self-defense, for instance, depend on too many variables. That said, the insurance still has its benefits.

Some gun owners believe that just their homeowner’s insurance is enough protection in case they have to use their weapon in self-defense on their property.

This is not true, and many gun owners pay the high cost for this mishap.

Technically speaking, it’s not insurance at all.

The providers are actually membership organizations that offer shared or subscription legal services, which makes things easier for you in court proceedings. The organizations fall outside the jurisdiction of state insurance regulatory agencies.

The insurance providers simply offer coverage for your legal representation if you were to be subject to a criminal investigation regarding self-defense.

However, a suitable concealed carry insurance is still very viable, if not essential, legal protection for a gun owner to have.

man conceal carrying pistol
Photo Credit: Concealed Carry Holsters

Why Do I Need Concealed Carry Insurance?

There are so many difficulties that may arise from firearms self-defense lawsuits.

The police will investigate you and confiscate your weapon, then you have lawyer retainer fees, bail bonds, all kinds of prohibitive costs, not to mention the time wasted and work missed because of all the court appearances and proceedings.

There are cases in which no criminal liabilities are found and the family of the assailant successfully sues for damages. This is a nightmare for any responsible gun owner.

That’s why you need CCW insurance.

It’s a small price to pay monthly against possible legal costs later, and it depends entirely on you and your monthly budget.

Not only do concealed carry insurance policies offer basic CCW protection, but they offer other services and cover aspects you’ve not yet considered. In many cases, concealed carry insurance policies may also cover negligent discharge, property damage, firearms replacement, work loss coverage, etc.

There are three things to keep in mind when deciding whether or not CCW insurance is suitable for you:

  • Is it likely you’d use your firearm in self-defense?
  • How will a lawsuit financially affect you and your family?

But, it all comes down to this – do you hope that the worst-case scenario misses you by an inch, or are you willing to prepare for it?

I’m willing to bet you’re a doer.

Our Top Choice for the Best Concealed Carry Insurance Providers

Here’s a list of the best CCW insurance providers in the US as well as the services and plans they offer.

Of course, we’re not going to cover everything as that would take many more pages than we can afford here, but we’ll fill you in on all the important bits the CCW insurance providers offer.

Pricing varies according to multiple factors. You can check the pricing and other details on their respective website, or you can check out this handy chart.

Concealedcarry.com Self-Defense Gun Owner Insurance Programs Compared
Chart Courtesy of ConcealedCarry.com

We’re just going to cover the general services, placeholder fees and prices, and coverages, and help you narrow down your choice to find a suitable plan and CCW insurance provider for your needs.

We’ll start off with CCW Safe. I chose this one as the ‘best overall’, and here are the reasons:

CCW Safe – The Best Overall

CCW Safe Logo

Pros

  • Excellent resources and legal coverage
  • Broad coverage
  • Unlimited defense budgets

Cons

  • High-end cost
  • You choose your attorney, but they must be approved
  • Constitutional carry plan only works in-state

I believe that CCW Safe is one of the best CCW insurance providers because of their unlimited and upfront coverage of legal expenses.

Their policy is to provide as much coverage as you need, not as much as they’re willing to budget, and they don’t require a reimbursement method of payment. There’s no limit on the amount of criminal or civil defense you are covered for, and they’re both covered upfront.

CCW Safe provides the highest bail bond protection coverage amount available – $500,000, with the option to upgrade to $1 million, policies for constitutional carry states, and they offer a $250 per diem (some offer none).

They also have specialized plans if you’re law enforcement or a retired officer, and you’re also eligible for up to $1,000,000 of civil damage protection through their basic permit-holder plan, which is pretty generous.

Want to know how well-versed their legal team is? CCW Safe claims that it’s the only legal service provider for concealed carry to successfully defend a self-defense 1st-degree murder case. Morbid and controversial, but I believe it answers the question.

They have a solid selection of attorneys to represent you if you’re unfortunate enough to end up in court. One of their attorneys is the same guy who defended George Zimmerman, so I think you get the idea of how professional their team is.

CCW Safe also allows you to pick your own attorney as long as they approve them. However, this may be a complex decision for some. Sometimes, it’s better if they pick your attorney.

CCW Safe offers a self-defense plan for home situations, and they’re the only ones to have this plan.

While CCW Safe has very comprehensive and suitable plans, if you want to sign up with CCW Safe, you must have a CCW permit or live in a state where a permit is required. If not, you’ll only be eligible for the Home Defense plan. They have constitutional carry plans, but they only work in your state, meaning, once you cross the border, you’re not covered.

There’s no means to customize the plans and coverages, but they already offer three excellent plans. Check out their policies and see for yourself.

I recommend you go for the Ultimate Plan policy from CCW Safe. It covers everyone in your family that resides in your home, including children under the age of 18.

Although they’re not as big as USCCA, CCW Safe offers excellent coverage. Here’s the pricing:

  • Monthly Cost – $14-44
  • Civil defense coverage limit – Unlimited
  • Criminal defense coverage limit – Unlimited
  • Pick your own attorney? – Yes
  • Money upfront? – Yes
  • Bail amount – $500,000
  • Lost wages compensation (per diem) – $250/day – $250

US & TX Law Shield

US TX Law shield logo

Pros

  • Most affordable option available
  • Excellent reviews and customer satisfaction
  • High per diem rate
  • Unlimited coverage

Cons

  • Limited features on low-end
  • You can’t choose your attorney

Don’t be confused. US Law Shield is actually Texas Law Shield, but they changed their name. 

As a smaller company competing with more established concealed carry insurance providers, it’s one of the most budget-friendly options for CCW insurance policies. 

US & TX Law Shield offers a basic policy that has no limit on their civil or criminal defense coverage, and the payments are made upfront, so there’s no need to worry about reimbursements on attorneys’ fees.

They also offer legal educational online lessons, magazines, and you also get access to their community forums. This is well-rounded in-depth info on the legal system which can be very insightful for some cases.

They offer a $10.95 per month basic membership plan, and a two-people $21.95 per month plan which is fantastic given that you get solid insurance for those prices.

If you’re new to guns, you can check out their online Beginner Handgun Course.

However, their basic plan doesn’t have lost wages compensation and there are additional charges if you want to have bail coverage or make your policy available throughout the US.

US Law Shield offers a pick-your-own-attorney policy, as well as defense services for military and law enforcement. If your case is covered, you get a 24/7 attorney-answered hotline.

The organization is pretty popular, as it has more than 600,000 members and it’s still growing.

US Law Shield is unavailable if you live in the following states:

  • New York
  • Rhode Island
  • Alaska
  • Delaware
  • Connecticut
  • Maine

Still, US & TX Law Shield offers competitive plans at very competitive prices that might suit your lifestyle.

  • Monthly Cost – $10.95-21.90
  • Civil defense coverage limit – Unlimited
  • Criminal defense coverage limit – Unlimited
  • Bail amount – basic level offers no coverage
  • Pick your own attorney? – No
  • Lost wages compensation – basic level offers no coverage
  • Emergency attorney hotline at any time 24/7/365

Second Call Defense

second call defense logo

Pros

  • Affordable
  • High customer satisfaction
  • Lowest defense coverage
  • Tailored plans

Cons

  • Limited coverage
  • The basic level is ‘too basic’

Second Call Defense has the widest spectrum of tiering options. It offers self-defense legal protection plans for concealed carry insurance. If you subscribe to their plans, they’ll provide beneficial financial assistance when you need to defend yourself against civil or criminal charges for using firearms in self-defense.

It’s perfect for those of you who like to have tailored insurance plans and multiple options in their policy, and don’t need much coverage. They have a variety of add-ons and tiers from which to choose and you can tailor your plan to fit your needs.

Just like US Shield, Second Call Defense offers a wide variety of features and services such as online education programs, newsletters, magazines, etc.

Second Call Defense also offers upfront payments of attorneys’ fees, an entry-level plan for $9.95, or a more luxurious option of $34.95 monthly, while the top-tier plan offers $100,000 of coverage for criminal defense attorney fees and $1,000,000 for civil.

If you choose the top-tier option, you’re eligible to get a $250,000 maximum in civil damage protection and their lowest-tier option is the least expensive among concealed carry insurance providers. However, it only comes with $10,000 of criminal defense protection and no civil defense protection.

The entry-level is really low in features and services and it doesn’t cover any legal fees for a civil case against you. I personally think that $10 is not really worth $10,000 toward your attorney fees, $2,000 for a retainer, and $1,000 for a bail bond given the other options.

For a mid-tier offer, the criminal defense coverage protection is pretty sub-par; the same goes for the bail amount, but the price may still be suitable for some concealed carry owners.

Second Call Defense are still alright in my book. They allow you to pick your own attorney, you get money upfront, as well as a nice per diem. It’s your standard “get out of jail free card” for a low-cost self-defense insurance policy.

  • Monthly Cost – $9.95-34.99
  • Civil defense coverage limit – $500,000-1,000,000
  • Criminal defense coverage limit – $50,000-100,000
  • Money up front – yes
  • Bail amount – $5,000
  • Lost wages compensation (per diem) – $250 per day
  • Pick your own attorney? – Yes
  • Emergency legal hotline 24/7

Armed Citizens Legal Defense Network – ACLDN

armed citizens legal defense network logo

Pros 

  • The least expensive on this list
  • Unlimited coverage
  • Simple membership (no tiers or options)

Cons

  • No per diem available

The Armed Citizens Legal Defense Network, or ACLDN, is a pre-paid concealed carry organization that offers legal service and firearms monetary support in a self-defense case.

It’s a very viable legal option that offers “unlimited” coverage at a budget rate.

With the ACLDN you receive up to $25,000 for bail.

The membership costs $135 your first year and $95 per year after. They also provide you with a monthly educational journal, training, and video lectures on CCW self-defense. It’s highly informative and offers a more DIY approach to situations that will definitely come in handy.

There’s no decent per diem payment, they don’t offer civil damages protection, no financial support when in court, the coverages are pretty sub-par, and the features and services are in no way near the other policies. In a loss of firearms case, you’re on your own with that too.

The fine print states that even though it’s unlimited coverage, they only cover up to half of their defense fund.

However, it’s still a solid choice for basic self-defense insurance because you have the option to pick your own attorney, and this can be a game-changer for some.

There are no complicated tiers for you to choose from because it’s a pre-paid legal service. If you’re looking for the most budget-friendly option, go for it.

  • Monthly Cost – $12-44
  • Civil defense coverage limit – Unlimited
  • Criminal defense coverage limit – Unlimited
  • Pick your own attorney? – Yes
  • Money upfront? – Yes
  • Bail amount – $25,000
  • Lost wages compensation (per diem) – none

Firearms Legal Protection

firearms legal protection logo

Pros

  • Three highly effective and suitable plans
  • Impressive entry-level plan
  • Firearm loss protection
  • Red Flag laws (Extreme Risk Protection Order) coverage
  • You don’t have to pay upfront fees

Cons

  • They pick your attorney

Firearms Legal Protection is somewhat overshadowed by the others on this list, but it still offers good coverage. They offer multiple tiers with uncapped attorney fees for civil and criminal defense.

They have a plan with excellent premium features, Red Flag laws coverage, and affordable monthly costs which suit most civilians.

The pre-paid legal services fee for their Individual Basic is $14.95 per month, the Individual Premium is $24.95 per month, and the Family Premium is $39.95 per month or $479 per year. If you’re located in Florida, Georgia, or North Carolina, prices may vary.

If you decide to go for the premium plan, they offer $250,000 bail bond protection, scene clean-up if a self-defense incident occurs, lost wages reimbursement, counseling support after the incident, firearm loss protection, court compensation, attorney of your choice, expert witness fee and investigation fee coverage, and nationwide coverage in all 50 states.

To most people, counseling support and incident cleanup don’t seem important, but they’re highly recommended. Using firearms takes a mental toll and counseling helps you with the struggle if the unspeakable happens.

Additionally, if your firearms are confiscated, you’re covered as well. The Family Premium also offers spouse coverage and children coverage. But, what really makes this option special is their coverage against Extreme Risk Protection Order or Red Flag laws

You can also talk to the attorney without having to pay fees upfront and wait for potential reimbursement.

Firearms Legal Protection also offers a mobile app that allows quick access to your membership benefits and incident report filing.

The only complaint here is that you won’t be allowed to pick your attorney. You can only request a different attorney if you feel that the one chosen is not suitable for you.

Firearms Legal Protection is an excellent, well-rounded CCW insurance option for most people. They offer no limits on legal defense for criminal or civil cases, and that’s usually good enough for most gun owners.

  • Monthly Cost – $12.95-44
  • Civil defense coverage limit – Unlimited
  • Criminal defense coverage limit – Unlimited
  • Lost wages compensation (per diem) – depends

*Note: All individual plans have a $19.95 setup fee applied to the first bill.

USCCA – United States Concealed Carry Association

uscca logo

Pros

  • Excellent CCW training program
  • Highest daily per diem
  • Choose your own lawyer

Cons

  • You might have to pay everything back
  • Expensive
  • Limited coverage

The USCCA is one of the most prominent concealed carry insurance associations in the US. Their 300,000 members can attest.

It’s also one of the most expensive of the bunch.

The USCCA pays with a $250,000 limit towards your criminal suit coverage and, depending on your plan, up to $2,000,000 in civil suit coverage. They also provide upfront financial aid for legal fees and they pay per diem insurance options that can go up to $750 a day.

If you don’t want to stay in jail, get yourself some bail. The USCCA offers $50,000 coverage for bail bond funding.

The bad side is that the USCCA is geographically limited, and New York, New Jersey, and Washington state residents are not covered. If you’re living in another state, you would still be covered if you were visiting these states.

You choose your own attorney, but if you get upfront payments for a bail bond or attorney retainer fees, they can be deducted from your criminal defense cap. Upfront fees like that can financially drain you if the case is prolonged.

They also offer their members firearms and concealed carry training and resources for self-defense scenarios. These educational programs talk about the importance of avoiding gun fights and minimizing the use of firearms for self-defense when possible. There are also additional benefits like monthly magazines.

But, a pretty big downside to using this provider is that if you get a guilty verdict on a criminal trial, they reserve the right to make you pay back all of the money they spent on you, and this can be very unpleasant for most.

Besides this, the USCCA offer great features, but, understandably, they’re quite pricey.

  • Monthly Cost – $22-47/month
  • Civil defense coverage limit – $500,000-2,000,000
  • Criminal defense coverage limit – $250,000
  • Pick your own attorney? – Yes

Buyer’s Guide for Concealed Carry Insurance

When choosing a concealed carry insurance policy, you need to consider whether or not a concealed carry insurance policy will fit with your other insurance plans. It’s very important to talk to your insurance agent about this and find out more about your state laws on self-defense.

You should also decide how much coverage costs you’re willing to pay, their extent, your budget, whether or not you need expert witnesses, whether or not you travel a lot, or do you only use your firearms for home defense.

Each CCW insurer we mentioned has various plans and you should decide which one suits you best.

However, there are important points to look for when considering insurance for this.

  • Attorney Fees. This is the most important aspect. Criminal and civil defense is expensive, and it’s crucial to review policy covers if your case goes to trial. The ability to pick your own attorney is another important aspect you should consider.
  • Bail Bond. A solid bail bond is what makes a CCW insurance policy good. Consult with an attorney and consider the price of the bail bonds your insurer offers you.
  • State Coverage. Insurance laws differ from state to state. Be smart and read the fine print where the policy can cover you.
  • Expert Resources. To protect yourself from the legal ramifications of a self-defense case, you must understand your rights and the law. If the CCW insurance offers you access to informative and well-researched resources like videos, magazines, newsletters on concealed carry training, then that insurer actually cares.

Which CCW Insurance Policy Is the Best?

It depends (lawyers’ usual answer to everything, ever).

There’s no way to tell which CCW insurance policy is best for everyone because all of us have different lifestyles, families, states, financial status, etc. It depends on so many variables. There are too many individual factors that go into deciding what’s the best CCW insurance policy.

The only thing that’s best here is signing up for any policy rather than deciding not to get insured at all.

You can’t go wrong with CCW Safe. They have solid plans, features, and attorneys that most gun owners can greatly benefit from.

USCCA and US Shield also offer great options as well.

I also recommend you try out USCCA’s policies. They cover other forms of legal weapons, not just firearms. So, if you’re a baseball bat type of homeowner, knock yourself out.

FAQs

How Does Concealed Carry (Firearm Liability) Insurance Work?

CCW insurance coverages vary and depend on the policy and options you choose. In some cases, CCW insurance carriers provide upfront funds for your legal self-defense cases, and other insurers can only financially compensate you.

It’s also very important to read the fine print for offers and benefits before deciding on a concealed carry insurer.

What Coverages Do CCW Firearms Liability Insurance Offer?

CCW insurance groups usually provide specially customized insurance coverages like firearms liability for open and concealed carry, accidental discharge liability, bond payment, income interruption, criminal and civil defense assistance, upfront compensation, state-to-state coverage, etc.

Can I Be Sued If I Use Concealed Carry Weapons in Self-Defense?

Yes. Yes, you can be sued. Even if no criminal malfeasance is found, if you use firearms in self-defense, the aggressor has the right to sue in civil court.

Is Concealed Carry Insurance Worth It?

Yes. If you carry for self-defense, CCW insurance is worth every penny.

When the time comes, you’ll be glad you have it because self-defense shooting expenses can go up to staggering amounts of money no gun owner can easily pay.

There are many great CCW insurers that can help you protect your assets during a self-defense case.

Does State Farm Offer Concealed Carry Insurance?

No, they do not. State Farm writes standard homeowners policies, and they do not cover criminal or civil defense costs. The general liability coverage included with their homeowner’s policy does not cover the costs.

Does the NRA offer concealed carry insurance?

No, the NRA no longer offers CCW insurance. The National Rifle Association stopped offering its Carry Guard self-defense insurance in 2019.

Conclusion

Just like a gun range needs to protect its shooters from the dangers of lead on the ranges by working with a lead maintenance contractor, you must protect yourself as well with concealed carry insurance

To conclude, I strongly recommend CCW Safe as the best overall choice. Not too expensive, not too complex. Their comprehensive coverage offers benefits to most gun owners and homeowners.

Still, there are 6 insurers on this list with various insurance options and tiers which many people and their families can benefit from. Besides, their policies and offers change in a couple of years, and we’ll do our best to keep you updated.

One of the most unfortunate things you can do is assume you’ll never need proper legal representation or strong CCW insurance during a defensive shooting. You’d be surprised how many people regret this mistake. It WILL cost you your job, your home, and your dignity.

Sure, you can go with a public defender, or rely on other experts, but a lot of plans and complex tiers go into CCW insurance companies, and it’s all for the well-being of the responsible gun owner.

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Author

Brady

Hi there, I'm Brady and I'm the owner of GunMade.com. I have been an avid gun enthusiast and hunter since I moved to the Midwest over 15 years ago. It's my passion to share my knowledge and expertise to help you find the best guns in your price range.

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