Best Concealed Carry Insurance of 2020 – Ultimate Buyer’s Guide

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Our Top Concealed Carry Insurance Choice

  • Protect Yourself & Your Bank Account: Includes up-front coverage with no cap for civil, criminal, investigative, witness, and other fees
  • Travel With Peace of Mind:  Membership covers 47 states within their network equally
  • Get What You Like, Like What You Get: No attorney networks here, YOU pick who you work with

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.

Comparison of the Best Concealed Carry Insurances

IMAGEPRODUCT
  • NO CAP on Up-Front Funding for civil, criminal, witness, admin & other court costs!
  • Choose your own attorney
  • A+ Better Business Bureau Rating
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  • Gold membership is $22 a month or $247 annually.
  • Award-winning, US-based customer service that is available 24/7.
  • Self-defense shield covers you from up to $250,000 for criminal defense protection and $2,000,000 for civil defense protection.
View Latest Price →Read Customer Reviews
  • The basic plan starts at $9.95 a month.
  • Insurance is available for both permit and non-permit users.
  • Immediate cash payment for bail and retainer fee for attorneys.
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  • A+ from the Better Business Bureau
  • Fully funded legal defense for criminal and civil court cases.
  • $135 for initial 1-year membership. $95 annually for renewal.
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  • $10.95 for one adult + a $19.95 initial setup fee.
  • America’s #1 trusted source for updates on self-defense laws.
  • It provides multi-state coverage and protection among other perks.
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  • It offers training for new concealed carry users.
  • 24/7 Access Hotline For NRA Carry Guard Members.
  • Bronze membership is $13.95 a month or $154.95 annually.
View Latest Price →Read Customer Reviews

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. 

Quick Take - The Best Concealed Carry Insurances

These are our recommendations for the best best concealed carry insurances:

  1. CCW Safe
  2. United States Concealed Carry Association (USCCA)
  3. Second Call Defense

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

CCW Safe Concealed Carry Membership

Pros

  • Up front payment for criminal cases is quick and timely
  • Insurance is available to both permit and non-permit holders
  • Counseling session coverage is smart and much-needed convenience
  • A 24-hour emergency hotline is responsive and staffed with professional experts
  • The on-site critical response team is knowledgeable and always responds promptly
  • Has successfully defended a murder charge

Cons

  • Some fees may vary for various add-ons
  • Firearm theft coverage is not available to every member
  • Some features like criminal record expungement may not be available for some members

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.

Pros

  • Discounts on all USCCA gear
  • Spousal discounts across the board
  • Up-front payment for bail bonds and criminal cases
  • Access to back issues of digital and print publications
  • 24/7/365 access to customer service, critical response team, etc

Cons

  • Basic and platinum members won’t get access to the concierge line
  • Some of the educational material is not accessible to basic members
  • Basic members may not be able to access the monthly “Ask An Attorney” feature

Membership Overview

The USCCA Concealed Carry Insurance program has three tiers of coverage, each with a lot of benefits including the Self-Defense SHIELD that will afford you the best possible protection in either criminal or civil cases involving the use of your concealed carry pistol. Here are the following levels:

Gold: [$22 a month or $247 Annually]

Included Coverage:

  • Self Defense SHIELD Protection for both criminal and civil legal cases ($100,000/$500,000)
  • 24/7 access to the expert members services team
  • Weekly training drills and educational materials
  • Membership discounts for spouses
  • Discounts on USCCA training and gear

Platinum: [$30 a month or $347 annually]

  • Self Defense SHIELD protection is $150,000 for criminal court protection and $1,000,000 for civil court protection
  • Access to online materials (except for advanced level training)
  • Access to lifesaving digital guides and videos
  • Membership discounts for spouses
  • VIP Entry to USCCA Expo

Elite: [$47 a month or $497 annually]

  • Self Defense SHIELD protection is $250,000 for criminal court cases and $2,000,000 for civil court cases
  • Access to all education materials (including advanced levels like “When Should You Use Deadly Force”)
  • 24/7/365 access to the Critical Response Team
  • Membership Discounts for spouses
  • Lifetime access to all digital and print back issues of USCCA magazines and publications

Membership Advantages and Disadvantages

While USCCA has some pretty good advantages, being an insurance holder, some disadvantages come with the territory. The Self Defense SHIELD for legal protection is a home run for all its users. However, the higher level of membership, the more money is allocated for legal aid. Regardless, your bases will likely be covered. One noticeable disadvantage is limited access to lower level plans. Educational material should be accessible to any insurance holder, regardless of level.

Additionally, the USCCA customer service team has won awards for its top-quality customer service. 

Bottom Line

The USCCA has insurance that will make sure your legal bases are covered, no matter what. You will also be able to gain access to some of the best educational materials related to concealed carry and self-defense. Simply put, this insurance provides a solid foundation for almost anyone either starting with concealed carry or who has been carrying for quite some time.

The First Trigger-to-Trial Protection Plan:
Second Call Defense

Pros

  • The attorney referral is really quick
  • Affordable plans at reasonable prices
  • The 24/7 legal hotline is responsive and helpful
  • Educational material included is helpful and informational
  • Payment for bail bonds and attorney retainment fees are fast

Cons

  • Basic coverage doesn’t cover civil suits
  • Additional educational materials might be appreciated
  • Some additional benefits may not be available for some members

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

  • Full-funded legal services for when you need it the most
  • You can choose between a 1-year, 3-year, or 10-year insurance plan
  • Experts and advisory board members are knowledgeable and helpful
  • The network of lawyers and experts provides you with plenty of options
  • Affordable fee for adding on other members of your family or household

Cons

  • The contact line may not be accessible on a 24-hour basis
  • Legal funding may vary from person to person (despite set value amounts)
  • While there is some educational material, there should be more covering some serious topics

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

  • Provides zealous legal services for its members and the legal network is quite vast
  • 24/7/365 helpline is staffed with knowledgeable attorneys and legal experts
  • Hunter Shield is perhaps one of the most innovative features that can cover hunting accidents
  • Multi-state protection does a great job covering your legal bases, especially in states with strict gun laws
  • Gun owner ID theft is excellent, you won’t be liable for any crimes that involve a firearm that was stolen from you

Cons

  • One-time set up fee may not sit well with some users
  • Additional fees are included for each coverage-add on
  • Bail bond and expert witness coverages are available in only Texas, Oklahoma, and Pennsylvania

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

  • Automatic NRA membership included
  • Training is available in most local areas
  • Automatic spousal coverage is convenient
  • The Carry Guard Emergency Hotline is responsive and helpful
  • Training instructors are knowledgeable and well-trained in their discipline

Cons

  • Training might be a little pricey for some
  • Some educational materials may not be online at all
  • Some training courses might be too far away for some users

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. 

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.

About Josh Lewis

Josh Lewis the managing editor at Gun Mann and when he isn't writing about guns he is more than likely tinkering with them. He also enjoys hunting, fishing and spending time outdoors. As a lifelong gun owner he knows his stuff!

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