Our Top Concealed Carry Insurance Choice
Are you looking for the best concealed carry insurance? If so, you’re not the only one that might be searching for the best policy. Especially when you have to use your concealed carry weapon in a life and death situation.
The best insurance can give you the best possible defense, especially when dealing with the legal aspects that stem from the use of deadly force. To help you find the right insurance for you, we have a list of the six best concealed carry insurance policies available for you.
Before we get to the list, we’ll talk about why concealed carry insurance is important for you and whether or not all policies are the same or different.
At a Glance: Our Top Picks for Concealed Carry Insurance
- OUR TOP PICK: CCW Safe
- RUNNER-UP: United States Concealed Carry Association (USCCA)
- THE FIRST TRIGGER-TO-TRIAL PROTECTION PLAN: Second Call Defense
Comparison of the Best Concealed Carry Insurances
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How Does Concealed Carry Insurance Work?
While carrying concealed, we are aware that at some time or another we may use our pistol to deter a criminal threatening our life or property. When that time comes, there could be issues where it might get you into some hot water within the legal system. That is where concealed carry insurance comes into play.
You get a good amount of coverage for such situations, including legal aid to ensure that you were indeed within your rights to use a firearm within the scope of self-defense laws. At the same time, not only will it help you with potential criminal cases but it can also aid you in any civil suits that may arise.
Are All Concealed Insurances The Same?
The short answer: no. To give you a slightly longer answer, some insurance policies differ in price (from basic levels and up). Meanwhile, some insurance policies will cover various aspects of the legal process and others may not.
For example, there may be lawyers belonging to a certain network tied to a specific insurance company. They may not be a part of an alternate network connected to a competing insurance company.
Review of the Best Concealed Carry Insurances
The following is a list of the six best concealed carry insurance policies on the market. Given the gravity of a concealed carry situation, it’s important that you carefully consider each of the following options. Get a look at what is covered and what might be excluded.
It’s important to find the insurance policy that will cover as many bases as possible. This way, you’ll have peace of mind in knowing you’re covered if something were to happen in a situation where your concealed carry pistol was used. Now, let’s take a look at the first insurance company on our list:
Best Concealed Carry Insurance Overall:
CCW Safe
Pros
Cons
Membership Overview
CCW Safe not only provides insurance coverage for permit carriers, but they do something that no other insurance on the market can do: provide coverage for those that don’t have a concealed carry permit. Let’s break down the following plans for both permit and non-permit carriers:
Protector Plan: [$14.99 a month or $149 annually]
- Bail coverage of up to $500,000
- On-site critical response team
- 24-hour access to an emergency hotline
- Trial fees are covered up front
- Home-only coverage for spouses and children under 18
- Lost time coverage for work up to $250 a day during criminal and civil cases
- Counseling sessions covered (up to 10 sessions)
Defender Plan: [$16.00 a month or $179 annually]
- Bail coverage of up to $500,000 with the option to upgrade it to $1,000,000
- On-site critical response team
- 24-hour access to an emergency hotline
- Trial fees covered upfront
- Home-only coverage for spouses and children under 18
- Option to upgrade civil liability up to $1,000,000
Constitutional Carry Plan: [$299 annually]
- Covers attorney and investigator fees
- Available for non-permit carriers (in constitutional-carry states)
- Access to the 24-hour emergency hotline
- $250 a day coverage for missed work during criminal and civil cases
- Covers up to 10 sessions of counseling (up to $4,000)
Ultimate Plan: [$499 annually]
- All 'Defender Plan' benefits plus:
- No Cap on civil and criminal defense
- Covers up to $1,000,000 for bond
- Covers up to $1,000,000 for civil damages
- Coverage extends to cover you inside your home
- Appeals and Firearm Replacement and more!
Membership Advantages and Disadvantages
When you’re tied up with legal proceedings in court, one of the major downfalls a person can face is missing time from work (which equals lost wages). Sure enough, CCW Safe has you covered in that department. Also, your family is covered for home-only situations. One disadvantage is the additional fees you may pay should you decide to upgrade the monetary value for civil defense liability or bail.
Bottom Line
CCW Safe’s Concealed Carry Insurance seems to cover quite a lot. It addresses some common issues that some of their competitors appear to overlook (like missed work time due to court appearances) and coverage for post-incident counseling sessions. For an affordable rate, it covers a whole lot of ground for both permit and non-permit carriers.
Runner-up:
United States Concealed Carry Association (USCCA)
Pros
Cons
Membership Overview
USCCA offers three membership options to choose from. These are segregated on the basis of course material, training qualification levels (01, 02 or 03), some legal defense coverages and a few other perks.
Gold Membership: $29/mo or 298.92/year (if billed annually)
This is the most basic and low cost membership plan USCCA has to offer. You get print and digital training material for the duration of your membership. Level 01 training that covers safety, marksmanship and children’s firearms fundamentals.
You also get up to 30% in discounts and free shipping when shopping across the USCCA store.
Platinum Membership: $39/mo or 399/year (if billed annually)
The balanced package offers everything in Gold membership along with five years of Concealed Carry Magazine back issues. New training every month, USCCA level 02 qualification, scenario based digital training and a ‘ask an attorney’ video series to cover your legal doubts.
Elite Membership: 49/mo or 503.76/year (if billed annually)
The most comprehensive and also pricey package USCCA has to offer. It covers everything in platinum, plus better training video series, a USCCA level 03 qualification and also an elite concierge line for non-emergency situations. This option is great for people who want to learn the art of self defense with firearms in more detail and are actively involved.
Membership Advantages and Disadvantages
Having a concealed carry legal coverage that also offers training benefits is a must-have service if you carry a firearm in public places. The USCCA membership gives you peace of mind and the ‘ask an attorney’ video series enlightens you about the law. Please note that USCCA is not an insurance company but has partners that provide its members this coverage.
Bottom Line
USCCA is the better option to choose if you value the importance of training and educational material. The service is a tad expensive on an yearly basis, but the membership features like high per diem coverage are great value for money. It is also important to note that USCCA is actually not an insurance company but a legal defense coverage plan.
Disclaimer:
The USCCA is not an insurance company. A policy has been issued to the USCCA by Universal Fire and Casualty Insurance Company. That policy provides the association and its members with self-defense liability insurance, subject to its terms, conditions, limitations, and exclusions.
The First Trigger-to-Trial Protection Plan:
Second Call Defense
Pros
Cons
Membership Overview
The Second Call has three insurance packages, each with its respected monetary value for bail bonds and attorney retainer fees. Plus, all members have access to a 24/7 Emergency Hotline operated by experts that will provide you with helpful knowledge on all things concealed carry. The following are the available plans:
Basic: [$9.95 a month or $119 annually]
- Criminal defense protection of up to $10,000
- A cash bond of up to $1,000 and $2,000 for attorney retainment fees
- Local attorney referral. Be in contact with an attorney within 24 hours
- Personal crisis managers available
- 24/7 legal hotline
Defender: [$14.95 a month or $179 annually]
- Up to $550,000 in civil suit protection and damages
- Up to $50,000 coverage in criminal defense protection
- Bail bond and attorney retainment of up to $5,000
- $250 a day compensation for missed work due to court appearances
- Expert witness coordination
Ultimate: [$34.95 a month or $399 annually]
- Up to $1,250,000 in civil suit protection and damages
- Up to $100,000 in criminal defense protection
- Immediate cash bail bond of $25,000 and an immediate attorney retainer of $10,000
- Up to $500 a day compensation for missed work due to court appearances
- Aftermath cleanup coverage of up to $2,000
Membership Advantages and Disadvantages
Second Call Defense has concealed carry insurance plans that once again, cover some of the additional bases some competitors do not. Even better, the Ultimate Coverage Plan will give you a lot of money to work with for court cases, compensation due to missed time at work, and up to one-million dollars in civil suit protection. However, the basic plan may only cover criminal court cases and not civil suits.
Bottom Line
The Second Call Defense Insurance Coverage Plan is what you’ll need if you want coverage for all your home defense needs after the fact. If you want insurance that will prepare you for the potential fight ahead, there’s a plan that will fit your needs and your budget.
A+ Better Business Bureau (BBB) Rating:
Armed Citizens Legal Defense Network (ACLDN)
Pros
Cons
Membership Overview
Note: There is only one level of membership. There is no basic, platinum, or elite package. However, you can set up your membership duration so you can renew it for every period specified (once a year, once every three years, etc.)
ACLDN Membership: [$135 for a one-year membership, $95 annually for renewal]
Included Coverage:
- Educational material that included 8 hours of lectures and a 235-page book
- Legal assistance for criminal and civil court cases
- Access to a network of attorneys and concealed carry experts
- Includes additional membership for family members that meet the requirements
Membership Advantages and Disadvantages
The ACLDN provides the simplest insurance coverage on the market at this point. There are no tiered levels and it is affordable for even beginner concealed carry users. However, while there is educational material available to new members, some might find that it is not adequate.
Bottom Line
The ACLDN appears to be a simple, but very robust insurance plan funded by membership dues, bequests, corporate donations, and so on. That alone will give you confidence in knowing that your legal cases will be financially covered, if and when things happen.
America’s #1 Most Trusted Source for Self-Defense Laws and Updates:
U.S. Law Shield
Pros
Cons
Membership Overview
There are memberships for either one individual or two adults. The latter might be the best option for married couples. Both membership levels have additional features you can add on for an additional charge. They include multi-state coverage, bail bond, expert witness coverage, and even legal entitlements for minors in the household.
One Adult [$10.95/month + a $19.95 initial starting fee]
- Includes Gunowner ID theft coverage
- Multi-state protection that allows you to carry and use a concealed carry pistol across state lines.
- Includes bail bond and expert witness services
- Coverage for minor children available in case they use a concealed carry weapon
- Protection for outdoor recreational accidents involving firearms
Two Adults [$21.90/month plus a $19.95 initial startup fee]
- Includes all other benefits listed above for additional fees
- 24/7/365 access to an attorney-answered emergency hotline
- Educational materials in both online, video, and print
- Non-emergency access to attorneys and legal experts for any questions you may have
- Zealous legal representation for criminal and civil court cases
Membership Advantages and Disadvantages
These insurance plans have a lot of coverage options to fit you and your family best. Plus, the two adult coverage will work perfectly for you and your spouse. While the add-ons, like multi-state coverage and minor protection are convenient, they do come at a price on top of what you’ll be paying monthly (assuming you go down that route).
Bottom Line
U.S. Law Shield stays right on top of things for insurance carriers. It’s always a good feeling to know that you have the option of legal protection and coverage in every single corner of the country. Even better, you also have convenient options that benefit the entire family, if and when a situation were to arise where a concealed carry weapon is used.
Most Comprehensive Training Benefits:
NRA Carry Guard
Pros
Cons
Membership Overview
The NRA Carry Guard has four membership packages available ranging from Bronze to Gold Plus. All members, regardless of level, will have access to a 24/7 emergency hotline and a one-year membership to the NRA. Here are the following packages:
Bronze: [$13.95 a month or $154.95 annually]
- Offers $50,000 in criminal case coverage and $250,000 in civil court coverage
- One-year NRA membership
- Automatic coverage for spouses
- 24/7 access to the NRA Carry Guard Emergency Hotline
- 20% of criminal defense payments are immediate
Silver: [$21.95 a month or $254.95 annually]
- Offers up to $100,000 in criminal court coverage and $500,000 in civil court coverage
- One-year NRA membership
- 24/7 access to the NRA Carry Guard Emergency Hotline
- 20 percent of immediate payment for criminal cases
- Automatic coverage for spouses
Gold: [$31.95 a month or $359.95 annually]
- Up to $150,000 in criminal defense coverage and $1,000,000 in civil defense coverage
- One year NRA membership
- 24/7 access to the NRA Carry Guard Emergency Hotline
- 20 % of immediate payment for criminal cases
- Automatic coverage for spouses
Gold Plus: [$49.95 a month or $549.95 annually]
- Up to $250,000 for criminal defense coverage and $1,500,000 in civil defense coverage
- One-year NRA membership
- 24/7 access to the NRA Carry Guard Emergency Hotline
- 20 % of immediate payment for criminal cases
- Automatic coverage for spouses
Membership Advantages and Disadvantages
One of the biggest advantages of the NRA Carry Guard is that you can take training courses at a site nearest you. Training is available across the country and is designed for those CCW permit carriers that want to learn the ins and outs of concealed carry and what to do in the event of a self-defense situation. However, a disadvantage that is worth noting is there might not be any online educational material available to members.
Bottom Line
The NRA Carry Guard Insurance Program is probably the most trusted by most (considering it is through one of the most highly-recognized gun organizations in the world). If you want excellent protection for yourself and the people who are most important to you, this might be an insurance plan worth considering.
Disclaimer: NRA Carry Guard’s Insurance offering has been discontinued in lieu of an expansion of their intense training courses.
Why Do I Need Concealed Carry Insurance?
Concealed carry insurance is an absolute must. Just because you use your concealed carry weapon in self-defense, doesn’t mean it’s over with the injury or death of an assailant. Legal issues may arise, whether criminal or civil, among other things. Here are a few reasons you might need concealed carry insurance:
Legal Fees Are High
Yes, legal fees, both before and after the fact are steep and most people can not afford the best representation possible. Insurance like this (depending on the coverage level) will alleviate this issue fairly quickly.
Photo credit: ccwsafe.com
You May Miss Time From Work
In court cases like this, you’ll have no choice but to appear in court. This means that you will lose time and wages from your job. Thankfully, most of these insurance plans cover what you’ve lost in pay for each day worked. Financial hardships are magnified when you miss time for work and don't get paid for it.
A Self-Defense Situation Can Be Mentally Taxing
It’s no secret that there is mental anguish associated with taking the life of an assailant. That’s another area where a good insurance plan comes in to play. Some will cover counseling sessions for as long as you need them. Some will cover up to about ten sessions, at best.
Conclusion
Finding the best concealed carry insurance is important. If you’re starting out with concealed carry, you should find the best plan as soon as possible. While you may never have to use your pistol in a self-defense situation, it’s always important to be prepared, regardless. Without concealed carry insurance, the aftermath of the incident can have even greater financial and legal implications.
