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Best CCW Insurance Providers

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.

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.

1. CCW Safe - Best known for reasonable prices and excellent coverage

A range of concealed carry plans available
Spouse coverage for a small additional fee
$1 million of civil liability coverage on some plans

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2. Second Call Defense - Best known for providing a wide range of support services and basic legal coverage

Bail costs up to $250,000
Per diem coverage up to $500 per day
Training and resources

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3. USCCA - Best known for its high per diem rates

A large company with exceptional financial strength
Numerous features included in each plan
Up to $2 million civil defense coverage

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4. US Law Shield - Best CCW and self-defense insurance

A large company with exceptional financial strength
Numerous features included in each plan
Up to $2 million civil defense coverage

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5. Firearms Legal Protection - Best known for selecting attorneys with the highest chance of winning

Protection in all 50 states on some plans
Counseling support
Incident scene clean-up provided

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Detailed Reviews

1. CCW Safe - Best known for reasonable prices and excellent coverage

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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	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

2. Second Call Defense - Best known for providing a wide range of support services and basic legal coverage

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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	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

3. USCCA - Best known for its high per diem rates

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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	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

4. US Law Shield - Best CCW and self-defense insurance

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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

5. Firearms Legal Protection - Best known for selecting attorneys with the highest chance of winning

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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

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

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.

FAQ

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).