USCCA Reviews – 2020 Informational Guide

| Last Updated: November 17, 2020

The USCCA is considered to be one of the best organizations for concealed carry permit holders across America. The organization also provides concealed carry insurance that is available in three different levels.

Each level provides an amount for legal aid, educational materials, and other perks for its members. We will be going into deep detail shortly regarding each level for concealed carry that is available.

Before we get there, we’ll be covering what the USCCA is, how its insurance program compares to others, and the perks you can get out of being a member.




Gold: $29/month or $299/annually

Platinum: $39/month or $399 annually

Elite: $49/month or
$499 annually



  • $600,000 in self-defense legal expense coverage
  • $350/day compensation while in court
  • $3,000 personal hardship coverage
  • $3,000 psychological support coverage


  • $1.5 million in self-defense legal expense coverage
  • $500/day compensation while in court
  • $4,000 personal hardship coverage
  • $4,000 psychological support coverage


  • $2.25 million in self-defense legal expense coverage
  • $750/day compensation while in court
  • $6,000 personal hardship coverage
  • $6,000 psychological support coverage

Good For

Those who want excellent coverage over personal and legal expenses

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.

Who is the USCCA?

The United States Concealed Carry Association or the USCAA was founded back in 2003 by Tim Schmidt. Schmidt currently serves as the president of the organization. The organization was founded by Schmidt sometime after the birth of his child. He was well aware of what dangers may occur involving himself and his family during a dire situation like a home invasion. Knowing he wasn’t alone, he started the organization by starting Concealed Carry Magazine with an online forum that linked concealed carry users across America with each other.

The main sources of funding for the USCCA do stem from the fees for members that carry their insurance plans. Also, they receive funding through other means like conferences and merchandise. As of today, the USCCA has over 300,000 members registered. That is close to one-third of their mission of enrolling one-million members (and counting).

There are educational materials and training to ensure subscribers are practicing proper concealed carry responsibilities to protect themselves and their families when the use of a concealed carry weapon will be needed the most. 

Their mission is to educate 10 million, enroll one-million members, stop 20,000 crimes, and save 1,000 lives. To this day, this organization is gaining strength in becoming one of the best gun owner organizations in the country.

Comparison of USCCA Membership Levels

  • $29 a Month or $299 Annually
  • Non-Firearm weapon coverage
  • Up to $100,000 in criminal and $500,000 in civil cases
View Latest Price →Read Customer Reviews
  • $39 a Month or $399 Annually
  • Advanced level training courses
  • Up to $150,000 in criminal and $1,000,000 in civil cases
View Latest Price →Read Customer Reviews
  • $49 a Month or $499 Annually
  • VIP Access to USCCA events & gear
  • 100% up-front coverage up to $250,000 in criminal and $2,500,000 in civil cases
View Latest Price →Read Customer Reviews

How Does the USCCA Compare to Others?

The USCCA has competitor organizations that also serve many concealed carry users across the country. However, some characteristics distinguish them from other organizations in a few ways. Here’s how they compare to some of the others:

Has Online Training Materials For All Members

One of the most essential things about being a member of the USCCA is educational materials that will help you understand some of the basic aspects of concealed carry. There is also advanced level training, like when it is the right time to use deadly force. These materials are easy to understand and are usually updated in the event of any new changes regarding concealed carry laws and practices.

Goes Above And Beyond Around The Clock

Most concealed carry insurance programs are available 24 hours a day, 7 days a week on any given day. The only difference is that they might stop there as far as an expert helpline is concerned. Yes, they are staffed with experts that will help you with both emergency and non-emergency situations.

USCCA, on the other hand, goes above and beyond just regular experts. They will also patch you through to attorneys within their network and will connect you with one in your area in less than 24 hours after a concealed carry incident. This way, you can get the legal advice and help you need at a moment’s notice. 

Offers Coverage For Spouses

USCCA was originally founded by Tim Schmidt and his wife, Tonnie. Both knew the risks and dangers of home invasions, especially as new parents before founding the organization. They knew they were not alone when the fear of being in a dangerous situation was present. USCCA not only provides insurance for its policyholders but will allow for coverage for their spouses in the event, they, too use a concealed carry weapon in a self-defense situation.

Perks of Getting a USCCA Membership

As the old saying goes, “membership does have its perks”. With USCCA, the perks are above and beyond for those who are policyholders. Regardless of your level, there are some perks that you will get to enjoy the most. They are as follows:

Protection For Stolen Firearms

There are often incidents involving a firearm that does not belong to the actual assailant. It is most often a weapon that was stolen by way of a home invasion, car theft, or any other means of opportunity where theft can occur. Eventually, the weapon in question may be traced back to you.

You may end up being the subject of an investigation regarding an incident you never had a role in. With USCCA insurance, you will be protected in the event of a stolen firearm. This way, they sort everything out in the event your stolen firearm is ever involved in violent crime. 

Large Network of Attorneys

The need for legal counsel after using your concealed carry weapon is a must, especially when being questioned by police as part of an investigation or for when you have to make a court appearance in either a criminal or civil manner. Regardless, you will have access to the best legal options in your area and across the country.

No matter where you are, you’ll have access to over 500+ attorneys that are contracted with the USCCA to provide legal aid. Most importantly, there is a network of attorneys will respond within 24 hours in the event of an emergency.

Upfront Legal Aid, Period

Unlike some other insurance companies that pay you a portion for legal fees, bail bonds, and the like, USCCA will pay 100 percent upfront for any legal aid you may need in either a criminal or civil court proceeding. This will provide you with as many options possible for attorney fees and any related expenses.

Coverage Goes Beyond Firearms

You don’t have to use a concealed carry pistol to be covered. USCCA is one of the only organizations where their insurance will cover all other weapon uses other than firearms (including weapons of opportunity). They include by are not limited to knives, your hands, baseball bats, flashlights, or any blunt force objects used as a weapon. Your self-defense options are covered, regardless if whether it is a firearm, or not. 

Review of the USCCA Membership Levels

There are three different membership levels: Gold, Platinum, and Elite. All three memberships are entitled to insurance coverage in the event of an incident that involves you and an assailant that is threatening your life, your family, and/or your property. Each level has some different perks compared to the other.

So we will be breaking down the following levels so you know which one may be best for your personal needs and preferences. Let’s begin with the first level on our list, the gold level:

Gold - $29 a Month or $299 Annually

USCCA Gold Membership


  • Spousal coverage is available
  • The 24/7 expert line is responsive
  • Excellent price point for those starting out
  • Coverage for using weapons of opportunity (i.e.--non-firearm weapons)
  • Legal aid coverage is more than enough for your legal fees and other needs


  • May not get access to the concierge line
  • No early-bird discounts on any USCCA related events
  • You won’t have access to many of the educational materials

Main Features

The Gold level is the entry-level insurance at a lower price point. This will give you all the basic perks as a member of the USCCA. You will also receive legal aid for either a criminal or civil case (or both). You will receive up to $100,000 in criminal cases and up to $500,000 for civil court cases. Plus, you will receive 24/7 access to an expert hotline that will help you in either emergency and non-emergency situations. 

Bottom Line

The Gold level is the basic level membership that will still be enough to cover your bases. The important thing to note is that you will receive a good amount of money to ensure that your legal costs are covered. For most, the gold package may be your go-to option if you’re new to concealed carry.

Platinum - $39 a Month or $399 Annually

USCCA Platinum Membership


  • Generous legal aid coverage
  • Responsive 24/7 expert hotline
  • Access to a wide variety of legal networks
  • Discounts on merchandise and VIP Access to USCCA events
  • Gives you some of the best-advanced level training for using your concealed carry weapon


  • It might be a little pricey for those who might be starting
  • You won’t receive any additional perks available to any elite members
  • Some educational materials may not be available at this level

Main Features

This is the second level of the USCCA membership level. Here, you will get pretty much the same perks (as is the case at any level). However, you will get slightly more funding in your SHIELD Protection for legal aid. You will have up to $150,000 for criminal court cases while you will be given up to $1,000,000 for civil court cases. You will also get access to some of the advanced level training and education materials. One of the most vital courses that might come in handy is the “When To Use Deadly Force” lesson. 

Bottom Line

The Platinum level may be for the seasoned conceal carry practitioners and it does give you a great deal of coverage for all your legal aid and the like. This will come in handy if and when you need it most after a concealed carry situation. 

Elite - $49 a Month or $499 Annually

USCCA Elite Membership


  • Spousal coverage is available
  • 24/7 access to an expert hotline
  • Firearm ID theft coverage included
  • Highest level of legal aid compensation, 100% upfront
  • Discounts for merchandise and VIP access to USCCA events


  • Pricey for most users
  • Some of the discounts are time-sensitive
  • Self-defense coverage may be limited to home use only

Main Features

This is the highest level that can be attained. You will have access to a concierge line and early bird discounts on USCCA related events and even discounts on merchandise through USCCA and any partners. You will also get the highest level of coverage for legal aid. For criminal cases, you will receive up to $250,000 while you will receive up to $2,500,000 for a civil court case.   

Bottom Line

As an Elite member, you get nothing but the best here. You’ll get the best coverage, the best deals, and even access to the best expert line in the country. It’s great in knowing that you can get the best quality service and legal expertise as an Elite member (or a member at any level for that matter).

How Does Concealed Carry Insurance Work?

Concealed carry insurance works best when you are involved in an incident where you used your firearm in self-defense. This may have resulted in the serious injury or the death of an assailant that invaded your home and posed a dangerous, life-threatening situation involving you and your family. At that point, you defended yourself with a weapon to ensure that the threat was neutralized .

Afterward, you should call the police to notify them of the incident. It is highly recommended that you don’t stop there. You should contact the USCCA to ensure that you will have access to an attorney in your local area that is associated with their network of nationwide attorneys.

As a precaution, you should know your right to remain silent, as anything you say may be held against you in a court of law. Per the Fifth Amendment of the U.S. Constitution, you should inform the investigating officers that you won’t be able to answer any questions without the presence of legal counsel. Once your legal counsel arrives, you are free to answer any questions at your discretion (or if need be, the discretion of your attorney). 

If you are in a criminal or civil court proceeding regarding the incident, the USCCA will pay your legal aid compensation upfront to ensure your bases are covered legally, in terms of bail bonds, attorney fees, and any other legal fees that may pile up throughout the case. USCCA allows for upfront payment since you’ll need to make upfront payments yourself to an attorney during the case, not just after the fact. There is no reimbursement plan like with some insurance companies (like those that expect you to pay for legal fees only to be paid back in a certain amount of time).

USCCA Highlight Video

This video covers the story of Robert. He was involved in an altercation that lead to him using his concealed carry pistol. He was attacked by multiple individuals and was placed in a situation where he had to draw his pistol. After managing to escape the incident without having to fire a single shot, Robert returned home where he was safe and dialed 911. Following the 911 call, he called the USCCA’s emergency expert hotline. Once Robert provided a statement to the police, he then contacted attorneys to ensure that his bases were covered. Robert found an attorney he was comfortable with and was walked through the process.

At this point, Robert was not charged until some time later (despite not using the pistol in the first place). Robert’s attorney made sure the charges were dismissed (which they were later). This incident would have been completely different had he not had a pistol or any coverage that allowed him to use his concealed carry weapon regardless if he fired it or not. 

Robert recommends USCCA as your insurance carrier of choice for concealed carry. However, he recommends the Elite membership, since you get the best coverage possible. You never know if and when you'll need it (like being charged with a crime without firing a shot).

A few hundred dollars a year will give you the best possible coverage in the event of any incident that forces you to use your concealed carry pistol in a dangerous situation. You never know what may happen, whether you fire your weapon, or not.  Sometimes, drawing your pistol can deescalate the situation (but won’t stop there).  


The USCCA is hands-down one of the best concealed carry insurance policies in the country. If you conceal carry, you need to be covered by the best. Consider getting a policy that will cover your bases and have your back around the clock if and when you need it most. Be sure to check out the USCCA and enroll in the membership plan of your choosing today. 

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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