Best CCW insurance providers

December 11, 2021

CCW (carrying a concealed weapon) insurance provides legal protection if you use a registered firearm in self-defense. 

In this buying guide, we explore the best CCW insurance in 2021 and 2022. We list the top companies below and provide detailed CCW insurance comparisons, plus key features and a short set of pros and cons for each provider. Read on to learn more.  

What is CCW insurance?

Concealed carry insurance offers legal protection for gun owners who use their weapons in self-defense. 

It’s not necessary to have this type of insurance if you carry a concealed weapon, but it can be beneficial because law enforcement may still arrest you, even if you are innocent.

Best CCW insurance providers list

In the following section, we list several CCW insurance reviews to answer the question: Which CCW insurance policy is the best? We offer a set of CCW insurance comparison chart tables below. 

Learn about CCW Safe, USCCA insurance cost, NRA CCW insurance, and more. 

Product
Rating
Key Features
Website
1
OVERALL RATING
Expert Review
  • A range of concealed carry plans available
  • Spouse coverage for a small additional fee
  • $1 million of civil liability coverage on some plans
PRICE: $
Get a Deal
2
OVERALL RATING
Expert Review
  • Bail costs up to $250,000
  • Per diem coverage up to $500 per day
  • Training and resources
PRICE: $
Get a Deal
3
OVERALL RATING
Expert Review
  • A large company with exceptional financial strength
  • Numerous features included in each plan
  • Up to $2 million civil defense coverage
PRICE: $
Get a Deal
4
OVERALL RATING
Expert Review
  • A large company with exceptional financial strength
  • Numerous features included in each plan
  • Up to $2 million civil defense coverage
PRICE: $
Get a Deal
5
OVERALL RATING
Expert Review
  • Protection in all 50 states on some plans
  • Counseling support
  • Incident scene clean-up provided
PRICE: $
Get a Deal
Financial strength High
States available Available in all states, except New York (NY), New Jersey (NJ), and Washington (WA)
Coverages available CCW Safe insurance offers unlimited criminal and civil defense coverage, up to $1 million bond coverage, up to $1 million civil liability coverage
Pricing $16 to $47 monthly
Discounts Reduced fees for those who pay annually
PROS:
  • 100% of criminal defense costs covered upfront
  • Lost wages covered during the trial, up to $350 per day
  • Counseling sessions provided
CONS:
  • Relatively small discounts for annual payments
  • No focus on training libraries and resources
Financial strength Extremely high
States available Membership not available to residents of NJ, NY, WA, and US territories
Coverages available Legal defense and indemnity (civil), legal protection (criminal), financial support
Pricing Second Call Defense price: $9.95/month to $34.95/month and $119 to $399/year
Discounts Discounts for the annual membership. Reduced spouse fees
PROS:
  • One of the least expensive options
  • Exceptionally high customer rating
  • Easy Second Call Defense cancellation
  • Second Call Defense BBB rating: A+
CONS:
  • Limited support on the basic plan
  • Capped coverage
Financial strength High
States available Membership is not available to residents of New Jersey, New York, or Washington State according to the USCCA map
Coverages available Liability insurance up to $2 million, no-limit defense expenses, $100,000 bail bond expenses
Pricing $29/month to $49/month depending on USCCA membership levels 
Discounts Save between $49 and $89 on annual plans at the USCCA store
PROS:
  • Ability to choose your attorney
  • Great per diem rate (highest available)
  • Good training materials
  • Good USCCA customer service
CONS:
  • High membership costs
  • Limited coverage in some areas (such as bail bonds)
  • No coverage if found guilty

USCCA reviews are generally good. USCCA training is available.

Financial strength High
States available Membership is not available to residents of New Jersey, New York, or Washington State according to the USCCA map
Coverages available Liability insurance up to $2 million, no-limit defense expenses, $100,000 bail bond expenses
Pricing $29/month to $49/month depending on USCCA membership levels 
Discounts Save between $49 and $89 on annual plans at the USCCA store
PROS:
  • Ability to choose your attorney
  • Great per diem rate (highest available)
  • Good training materials
  • Good USCCA customer service
CONS:
  • High membership costs
  • Limited coverage in some areas (such as bail bonds)
  • No coverage if found guilty
Financial strength Extremely high
States available Not available in New England States, WA, OR, MT, WY, NV, NV, AR, TN, and WI
Coverages available Uncapped criminal and civil defense
Pricing Starting at $16.95/month or $199 annually
Discounts Annual discounts

Firearms Legal Protection military discount

PROS:
  • Firearms Legal Protection BBB rating: A+
  • Pays for attorney fees directly
  • Firearms legal protection hotline available
  • Comprehensive protection at a low price point
  • Firearms Legal Protection app available
CONS:
  • Not available in many states
  • State-specific price plans may vary

What coverage does CCW firearms liability insurance offer?

The best CCW insurance 2021 covers the cost of legal fees, including attorney fees, trial exhibits, investigators, expert witnesses, bail, etc. Some firms will cover all your legal costs, whether you are convicted or not, but others won’t. 

Is it really insurance?

CCW does not insure you against the illegal use of your weapon. In some cases, insurers describe it not as “insurance” but as a “legal defense service plan.” 

Which is better: US LawShield vs USCCA?

US Law Shield has lower monthly membership costs than USCCA. It also offers more criminal and civil coverage than USCCA. However, unlike with USCCA, you cannot pick your own lawyer with US Law Shield.

What states does US LawShield cover?

It’s available in all states, except New York, New Jersey, and Washington State.

How much does US LawShield cost?

It costs $10.95/month. 

Multi-state coverage costs an additional $35.40 annually. Bail bond and expert witness is a further $35.40 annually. Minor children’s coverage is $24 annually. 

Is US LawShield the same as Texas Law Shield?

Texas Law Shield was the former name of US Law Shield.

Can you cancel US Law Shield membership?

You have the right to cancel US Law Shield at any time. 

How many members does US law Shield have?

Over 700,000. 

Buyer’s guide for concealed carry insurance

Attorney Fees. CCW insurance coverage includes attorney fees, usually the most expensive aspect of defending your case. A typical defense might cost $400k, with attorney fees comprising around half of that sum. It’s crucial to review policy coverage if your case goes to trial. 

The ability to pick your own attorney is another important factor you should consider. Not all lawyers will have the same experience in fighting your type of criminal or civil suit.

Bail Bond. You should always check for the price of bail bonds your insurer provides. Top firms offer high bail bond coverage designed to cover practically all bail amounts that jails or courts are likely to offer. The cost of covering a bail bond is usually around 10% of the overall amount using a bail bonds service.  

State Coverage. Since insurance terms differ from state to state, the insurers may be unable to provide coverage in certain states due to local laws. Always read the fine print that comes with your policy.  

Expert Resources. Lastly, you’ll want to check whether the insurance provider offers any educational resources like videos, newsletters, or magazines that may help you know your rights and the law in the event of a self-defense case

 

FAQs

Who needs CCW Insurance?

Self-defense insurance is vital for anyone who carries a gun or has access to one. 

Is concealed carry insurance required by law?

Do I need CCW insurance? It’s not required by law. On the other hand, neither is health insurance, but that doesn’t mean it’s not necessary. 

How does concealed carry insurance work?

It varies by provider and the level of insurance you choose. You may get funds for legal defense and firearm liability upfront or only after your case is settled. You may get assistance with criminal defense, civil defense, and gun confiscation. You may also be provided with customer support, nationwide coverage, and the option to choose a lawyer from a pool. 

Can you get a CCW for all 50 states?

Yes, you can get a CCW in all 50 states and DC. 

Do CCW transfer between states?

Usually, CCW doesn’t transfer between states. However, check the gun laws of the state you’re moving to be sure.  

How much is concealed carry insurance?

Prices range from as little as $10/month to $50/month. 

Is CCW insurance worth it?

If you own a gun for personal protection, CCW is worth considering to protect your livelihood and assets. 

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

Shooting defense typically costs around $400,000. However, prices may reach up to millions of dollars for complex cases. 

Does the NRA offer concealed carry insurance?

The NRA offers the protection you need in case you get into a self-defense shooting. 

The best CCW insurance the NRA offers is called NRA Carry Guard. This service provides members with a 24/7 hotline and emergency incident reporting in the event of a shooting. 

What's the difference between a CPL and a CCW?

CPL stands for “concealed pistol license.” It gives you the authority to carry a concealed weapon (CCW).