By: Smiljanic Stasha
Last modified: Sep 29, 2022
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.
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.
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.
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 |
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 |
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 |
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 |
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 |
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.
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.”
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.
It’s available in all states, except New York, New Jersey, and Washington State.
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.
Texas Law Shield was the former name of US Law Shield.
You have the right to cancel US Law Shield at any time.
Over 700,000.
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.
Self-defense insurance is vital for anyone who carries a gun or has access to one.
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.
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.
Yes, you can get a CCW in all 50 states and DC.
Usually, CCW doesn't transfer between states. However, check the gun laws of the state you’re moving to be sure.
Prices range from as little as $10/month to $50/month.
If you own a gun for personal protection, CCW is worth considering to protect your livelihood and assets.
Shooting defense typically costs around $400,000. However, prices may reach up to millions of dollars for complex cases.
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.
CPL stands for “concealed pistol license.” It gives you the authority to carry a concealed weapon (CCW).
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