We compared the Price, Coverage, and Perks of the majorconcealed carry insurancecompanies. We looked atRight To Bear, US Law Shield, ACLDN, CCW Safe, and Second Call Defense. We also look at USCCA membershipsas well. Find out the results and what we chose to do for our concealed carry insurance.
USCCA
Our Top Pick
5.0
As Low As $25 per month
The United States Concealed Carry Association (USCCA) provides life saving education, industry leading training, and self defense liability insurance for nearly 1 million gun owners across America.
We have memberships to USCCA and use them for our training, education, and legal protection.
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We may earn a commission if you make a purchase, at no additional cost to you.
We highly recommend a USCCA membership. USCCA offers a unique package of high quality training, education, and industry discounts. Each membership also includes Self-Defense Liability Insurance* (Click Here to Learn More).
We use USCCA as it provides for all of our concealed carry needs. With memberships as low as$25 a month when paid annually, USCCA is a great value for all gun owners!
Here are a list of just some of the benefits that come with USCCA membership:
TRAINING
- Concealed Carry Magazine subscription
- Self-defense guides and checklists
- Connection to certified firearms instructors
- Expert-led, scenario-based training videos
MEMBER PERKS
- Spouse membership discounts
- Exclusive discounts on USCCA products
- Up to 30% savings from industry partners
- Reliable, around-the-clock service
If you want to learn more about our thoughts on USCCA, visit our complete review: USCCA Review!
Best Concealed Carry Insurance Companies
Here are the best concealed carry insurance companies currently offering legal protection in the United States.
- Right To Bear
- US Law Shield
- Armed Citizens Legal Defense Network (ACLDN)
- CCW Safe
- Second Call Defense
All of the above are great choices for different needs. In order to find which one works best for you, lets discuss what to look for, and then break down each company and what they offer.
What To Look For
There are a decent amount of companies out there that sell some form of concealed carry insurance, but how do you know what is good and what is bad?
The important thing to understand about insurance companies is that they will all sound great because that is what the salesman wants you to think. You need to see a list of hard numbers and figures in order to know if they walk the walk as they say.
Make note of how much it costs versus how much coverage you are getting for both civil and criminal cases. If they only cover $50,000 in civil and $200,000 in criminal you should have some warning bells go off.
What You Get
The idea is to be completely taken care of in the event that you need to use your weapon defensively, and if they are not doing that then you might as well not have insurance at all.
Find an insurance company who has a lot of educational materials. That means that they want you to be ready in the off chance that you do need to go to court that it can be a quick and cheap as possible.
Education is a win-win scenario for a company that actually intends to payout on an insurance claim. If a company offers no education then they might not intend on paying out that often.
Price Comparison
Each of these companies has different levels of plans, but these are the cost of the base plans. It is really important to understand that not all plans are created equal, and coverage varies widely within each of these plans.
Price Comparison Chart
| Insurance Program | Set Up Fee | Base Plan Monthly Cost | YearlyCost |
|---|---|---|---|
| Right To Bear | FREE | $11 | $115 |
| U.S. Law Shield | $20 | $11 | $131 |
| ACLDN | FREE | N/A | $135 |
| CCW Safe | FREE | N/A | $499 |
| Second Call Defense | FREE | $15 | $179 |
The idea with concealed carry insurance is to be confident that you have lawyers to back up your split second decisions in a dangerous situation. You really can’t put a price on that confidence.
If you have to second guess what you are doing when you draw a firearm then it diminishes the point of carrying one in the first place.
Long story short, price isn’t everything in the world of insurance. However, if you are on a budget, Right To Bear does have the lowest prices and they do offer good coverage as you will see below.
Coverage Comparison
This chart shows the plans that are the lowest coverage that makes sense. You can get more expensive plans with more coverage in each of these companies, but it is up to you to decide if it is worth your time to increase the coverage.
Use this chart to find out what type of coverage you are looking for and then go to their website to select the best level of coverage for you.
Coverage Comparison Chart
| Category | U.S. Law Shield | ACLDN | CCW Safe | Second Call Defense | Right To Bear |
|---|---|---|---|---|---|
| Criminal Defense | No Limit | No Limit | No Limit | $50,000 | $500,000 |
| Civil Defense | No Limit | No Limit | No Limit | $500,000 | $500,000 |
| Psych Support | No Coverage | No Coverage | No Coverage | 40 Sessions | Included |
| Comp While In Court | No Coverage | No Coverage | No Coverage | $500 Daily | Cost Extra |
| Civil Damages | No Coverage | No Coverage | $1,000,000 | $50,000 | Up To Policy Limit |
Company Breakdown
Here we will give you a breakdown of each company, what they are about, and what they offer. If you have further questions, feel free to click on the link and check them out!
Right To Bear
Save 10% Code: CCS10
Right To Bear Insurance
4.5
As Low As $10.95 per month
Plus you Save 10% with code: CCS10
Right To Bear offers high coverage for low prices. While they might not offer as much training and eduction as USCCA does, they do the insurance part very well and at low cost.
If you are looking for just legal coverage, or are on a tight budget, then Right To Bear might be for you.
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Save 10% at Right To Bear with code: CCS10
Right To Bear Insurance is the new kid on the block. They are partnered with Palmetto State Armory and believe in protecting your right to bear arms.
Right To Bear is the ONLY American insurance provider dedicated to the preservation of individual liberty, for all freedom loving people in the United States, who desire to defend their family with the legal protection necessary in an era of elites trying to control their lives.
-Right To Bear
Right To Bear is becoming very popular due to their low cost, high coverage combination. If you are looking for value, they are a great place to start. They are also backed by an “A” rated insurance carrier that is not afraid to stand behind you during difficult times.
They offer four plans that increase in coverage. The plans start at $10.95 per month and range up to $50.95 for the top tier of coverage so you can find one that fits your budget and needs.
Bonus: You also receive up to $100 off any Palmetto State Armory purchase after signing up for a policy.
ADVANTAGES to choosing Right to Bear Insurance:
- Right to Bear offers a TRUE insurance policy issued by an “A” rated insurance company.
- Right to Bear is NOT a reimbursement policy like their competitors. A reimbursement policy will not pay for civil damages which can be costly! Right to Bear Insurance policies WILL pay for civil damages!
- In addition to the included coverage amounts, you can always request a higher limit, should you feel the need to do so.
- Right to Bear offers several additional coverage options to ensure you are fully protected in an act of self-defense.
- Right to Bear gives customers their choice of attorney.
If you are interested in saving money while still having great coverage, Right To Bear might be the option for you.
Head over to Right To Bear Insurance to learn more:
Visit Right To Bear Insurance
US Law Shield
To start, US Law Shield is a great company, but their website seemed a little unclear. I wanted some specific quotes on how much coverage they offer in an actual dollar amount. To get some answers, I had to get in contact with their customer support and they told me this:
“We do not have any limits on our civil, criminal, and appeals legal representation for legal use of force situations. There is not a minimum or maximum amount of attorney representation offered.”
There you have it. US Law Shield has no specific limit to the coverage that they offer!
That is a great comfort to have when you are in a scary financial situation. Court cases can cost a lot more than people realize. Most of the time you won’t really need any more than the insurance companies that do have limits, but in the off chance that you do it’s nice to have that limitless money bucket to dip into.
US Law Shield also offers a lot of other perks with local gun shops and training facilities. They have a huge list of facilities/shops, but they are too few and far between to really matter, and each one is different.
US Law shield is pretty good, but they don’t really have all the bells and whistles that USCCA offers…and that’s ok. This is perfect for those who want good solid coverage!
If you are not interested in the USCCA membership, I highly recommend this one. U.S. Law Shield (also known as Texas Law Shield) is a great organization. They offer decent training and great coverage.
The benefits of membership include:
- Highly vetted and screened attorneys
- Start to finish representation
- 24/7/365 Emergency Hotline to call as soon as a firearm incident takes place that will be answered by an attorney
- Non-emergency attorney question line
- Multi-state protection
- No limits on attorney fees for all qualified covered events
- Legal representation for both criminal and civil cases
- Access to experts in the field
- Expert Witnesses (additional add-on)
- Bail funds (additional add-on)
Head over to U.S. Law Shield to learn more:
VisitU.S. Law Shield
ACLDN
This is a little different from the standard insurance, but is a decent option if you are just looking to get taken care of.
Most conceal carry insurance companies are simple in that they write you a check for any legal expenses that you have while legally using a firearm in defense of person or property. This company is more of an expense share than an actual insurance company, which is why it is so cheap.
Most of the time, companies that offer no real limits on their coverage cost a pretty penny, but this is one company that is relatively cheap.
Although they are going to take care of you if you need to go to court, the fact is that they really don’t have any other perks out there.
This group/network, or whatever you want to call it, is a different option than traditional concealed carry insurance. But that doesn’t mean it is a bad one. It is as if you are paying for a team of lawyers to be on retainer, and they will also cover some other costs like bail bond money.
Not much else to it. They will take care of you if you need it, but their coverage isn’t as clean cut as most other options out there.
Head over to ACLDN to learn more:
CCW Safe
CCW safe is an interesting company. They have some really great coverage for decent prices. They have great discounts for ex-military or ex-police force. They also require you to have a CCW permit to join their program.
The value that really comes with CCW safe is the fact that it also includes spouse and children in the plan if the weapon was used legally. Not many plans have that additional coverage for free, so that is a win.
They do have some training and other newsletter-based stuff that is pretty helpful, but nowhere near what I have seen with other options. If you are looking to save some money and cover the whole family, this is a good option.
Overall, CCW Safe is a good middle ground option. They have some good coverage with some decent pricing. While they may not be my first or second choice, they probably would be my third.
Head over to CCW Safe to learn more:
Visit CCW Safe
Second Call Defense
Second call defense is a very affordable form of concealed carry insurance that has some good numbers associated with it.
They offer several plans, but in reality, their entry level plan is a complete joke. It does not cover you besides softening the initial financial blow, and then leaves you to drown in court expenses. I am pretty disappointed that second call even sells something like this, so we are going to talk about their full coverage plan.
For just 15 bucks a month you can have some amazing coverage, and adding a spouse is only an extra 5 dollars. They offer $500,000 in civil suite protection and 50,000 in criminal defense protection.
There are also a variety of extra cash handouts that are needed such as cash for a bond, immediate attorney retainer, aftermath cleanup, and even compensation when you are in court. Those payouts are the small expenses that add up on a family if they are not covered under the insurance.
They offer plenty of other features to their plans that are helpful to a person that has recently gone through a deadly defense situation.
Here are some examples pulled from their website:
Rapid Response Team
- 24/7 Emergency Legal Hotline
- Personal Crisis Manager
- Nationwide Attorney Network Access
- Local Attorney Referral within 24 hours
- Emergency Contact Notification
- Expert Witness Coordination
- Gun Retrieval or Replacement
- Psychological Support – 20 sessions
- On-Site Assistance
Training & Education
- Member Newsletter
- Self Defense News
- Online Training
Each of these things help in the event of a defense case, some help right away and some help if you use them beforehand.
Insurance companies know that if you are well educated on how to handle yourself and the police, they will have a lower chance of paying a lot of money out. If the coverage is bad, they don’t worry about this stuff because they really don’t have any skin in the game. Educational materials help everybody involved.
Head over to Second Call Defense to learn more:
Conclusion
USCCA
Instead of getting Concealed Carry Insurance, we decided to get a membership to USCCA. It offers all the training, education, and perks a gun owner could want, as well as havingSelf-Defense Liability Insuranceincluded with membership.
Click Here For Current USCCA Rates!
However, if you want a traditional concealed carry insurance company, Right To Bear is the best budget option. They offer some great coverage at a price that is hard to beat and you save an extra 10% with our code CCS10.
The important thing to remember is that education is important, and choosing a company that knows that, and provides the information you need is vital. And lets face it, statistically you won’t ever need to use your coverage, so you might as well get some tangible value from your membership!
Whatever you decide to do for your concealed carry needs, remember, Carry Safe, Carry Smart, and Carry Daily!
FAQs
Which is better US law Shield vs USCCA? ›
USCCA vs US Law Shield: Features. If you're keeping score so far, US Law Shield has won on both membership cost and dollar amount of legal defense coverage. However, USCCA really pulls ahead when we look at other coverages and features.
Is USCCA insurance worth it? ›Among the options for firearm, weapon or self-defense insurance, USCCA Self Defense Shield seems to be a solid choice. The organization provides a substantial level of liability and criminal defense coverage at a reasonable price.
Is the USCCA a reputable organization? ›USCCA has great legal coverage and so many extra resources, we think that it's a good option for ccw insurance. For any concealed carry insurance option, we strongly recommend looking for three basic ccw insurance requirements: The ability to choose your own attorney, Money up-front, and.
How much does USCCA cost? ›The prices of the three membership levels are as follows: Gold USCCA Membership: $29/mo or $299/yr ($49 savings with the annual plan) Platinum USCCA Membership: $39/mo or $399/yr ($69 savings with annual plan) Elite USCCA Membership: $49/mo or $499/yr ($89 savings with the annual plan)
What is the very best CCW on today's market? ›- Sig P365. Sig changed the rules of the game when they released the P365 at SHOT Show in 2018. ...
- Sig P365X. Now, we know what the Sig P365 did for concealed carry. ...
- Sig P365 XL. ...
- Glock 43X. ...
- Glock 43X MOS. ...
- Glock 48. ...
- Glock 48 MOS. ...
- S&W M&P9 Shield EZ.
Research has revealed that Tennessee has the hands-down best concealed carry program in the country in terms of reciprocity for both residents and non-residents.
Who owns USCCA? ›The USCCA is an American-based association powered by Delta Defense, LLC. Delta Defense is headquartered in West Bend, Wisconsin, and serves over 635,000 USCCA members across the United States.
Can I cancel USCCA anytime? ›Your USCCA Membership is 100% risk-free with the USCCA 365-Day, Money-Back Bulletproof Guarantee. To cancel your USCCA Membership, simply call 800-674-9779 to request a prompt and courteous refund.
What are the benefits of joining the USCCA? ›- USCCA Protector Academy. ...
- Concealed Carry Magazine Subscription, plus Digital Access to 5 Years of Past Issues.
- Self-Defense Liability Insurance*
- 24/7 Critical Response Team Access.
- Free Shipping in USCCA Store.
- Discounts from USCCA Industry Partners.
U.S. Concealed Carry Association: More Than 20 Years in the Making... Your membership is backed by the USCCA 365-day, 100% money-back Bulletproof Guarantee.
Does the USCCA handle civil suits? ›
Second Call's Ultimate plan covers civil suit defense up to $1,000,000 and damages up to $250,000. USCCA covers civil liability defense and damages up to $2,000,000. US Law Shield covers civil defense costs but not damages.
Does USCCA cover theft? ›USCCA Does Not Cover Criminal Acts of Any Kind
If that happens, USCCA is not required to cover you. Most people think they are purchasing coverage from USCCA in the event they must use their firearm, but there is no coverage if you are found not to be acting in self-defense.
If you want to legally share NFA firearms with others, then a trust may be worth it. However, if that's really not that practical of an idea for you to share gun ownership (possession) with others, then the burden to get that tax stamp is likely too much.
What comes in the USCCA welcome kit? ›Inside you'll find a compact multi-tool, heavy-duty tactical pen with carbide tip, 2-in-1 all-weather magnesium firestarter, LED flashlight, compass with dual-scale ruler, 4-inch Israeli bandage, antibacterial wipes, signal mirror, emergency whistle, and paracord.
Is the USCCA app free? ›Travel & Protect Confidently With This Free Firearm App:
Quickly access need-to-know facts about all 50 states. Easily reference a unique-to-you reciprocity map based on your permits. Have gun laws and terms directly at your fingertips.
Typically concealed carry guns are best when they are a compact size or smaller. Compact firearms are usually about a 4” barrel. Most concealed carry holders will recommend a sub-compact, those are also the most popular firearms to carry every day.
What caliber is the quietest with a suppressor? ›308 Suppressor. Although it's designed for . 300 Blackout, the SOCOM 300 SPS by SureFire is one of the quietest .
What is the most pro gun state? ›- Alaska.
- Kansas.
- Texas.
- South Dakota.
- North Dakota.
- Arizona.
- Utah.
- Montana.
As of Apr. 14, 2022, Vermont is the only state that never issues permits. In many “constitutional carry” states permits will be issued upon request and completion of requirements for purposes of reciprocity (concealed carry in other states) or other reasons.
Can you carry a CCW across state lines? ›Federal CCW Laws
This federal law contains a provision that permits you to transport your firearms across state lines. To receive protection under this law, you must be able to lawfully possess a firearm and store it unloaded, locked, and out of reach within your vehicle.
What state has the most strict gun laws? ›
The USCCA is an association of over 650,000 responsibly armed members. The USCCA exists to help American gun owners avoid danger, save lives and keep their loved ones safe through their membership benefits.
Does USCCA support NRA? ›In a note sent to millions of USCCA supporters, Founder and President Tim Schmidt said that even though the NRA might be fearing the competition, USCCA will still support the NRA's efforts to protect the Second Amendment.
Why is there no USCCA in Washington state? ›Washington state law doesn't allow a person to buy insurance for their own intentional criminal activity. Additionally, USCCA was illegally acting as an insurer. Insurance companies must be authorized to sell policies in Washington state, and their policies must be reviewed and approved by Kreidler's office.
How often do you have to clean your CCW? ›Your gun should always be clean to give you confidence in its reliability. We recommend you clean your carry gun at a 2-week interval and ensure that whenever you hit the shooting range with it, you would have cleaned it by the time you slip it back in its holster and carry it around.
Can you conceal carry without a license in Texas now? ›Beginning September 1, 2021, HB1927 made it legal in Texas for most people 21 or over to carry a handgun in a holster without a permit both openly and/or concealed. This law modified the previous open carry law from 2016 by eliminating the requirement to have a license to carry.
How long do you have to get your concealed weapons permit after taking the class in Missouri? ›Depends on the county, normally 6 weeks to 3 months. What is the complete process to apply for the permit? Varies by county, but there is a state form that needs to be filled out and a copy of the training certificate we provide is a state form.
Why should I get a concealed carry permit in Texas? ›Having a license to carry allows you to carry in more places without all of the restrictions and penalties. While you can carry without a license in Texas you are limited and are better off with the license. The license also provides a lot of legal protections including trespass protection.
How many states are open carry? ›More than 30 states allow the open carrying of a handgun without any license or permit, although in some cases the gun must be unloaded. Ten other states generally require some form of license or permit in order to openly carry a handgun.
Can I carry a gun in California while hiking? ›In California, you cannot transport a loaded firearm in a vehicle, and you cannot have a loaded firearm on private property unless you have permission. You can only possess a loaded firearm while you are pursuing your wildlife, and only when you are on property in which you are permitted.
Can I carry a gun in my front yard in California? ›
Unless otherwise unlawful, any person over the age of 18 who is not prohibited from possessing firearms may have a loaded or unloaded firearm at his or her place of residence, temporary residence, campsite, or on private property owned or lawfully possessed by the person.
Are civil suits hard to win? ›According to a paper from the American Judges Association, as many as 97 percent of civil cases that are filed are resolved other than by a trial. While some of these cases are dismissed or are resolved through other means, the vast majority of the cases settle.
Is owning a gun a civil right? ›Supreme Court affirms Second Amendment as a fundamental civil right (District of Columbia v. Heller)
Does the Civil Air Patrol carry weapons? ›The CAP Weapons Policy is stated in CAPR 900-3. It states in paragraph 1: "Civil Air Patrol members will not carry, wear or use firearms while engaged in Civil Air Patrol activities.
Does USCCA cover knife defense? ›And because USCCA's Self-Defense SHIELD covers all weapons used in self-defense, members will have the legal backing they need if they are ever forced to use the tools and techniques we are sure to talk about.
Does USCCA cover accidental discharge? ›Accidental losses are generally covered. For example, if you are cleaning a handgun, do not realize it's loaded and the gun accidentally discharges and injures someone, there would be coverage.
What is the law of self-defense USCCA? ›In general, these laws state that a citizen has no duty to retreat from an altercation and if self-defense actions are warranted, citizens can stand their ground and defend themselves, and that homeowners may use deadly force in defense against anyone committing a burglary to an occupied dwelling.
What are the disadvantages of a Gun Trust? ›- You'll do more paperwork.
- It's not a fast track to approval.
- Photo and fingerprints are required.
Generally speaking, if an individual purchases an NFA item like a suppressor, only that individual would be able to be in possession or use of that item and anyone else in possession could be committing a crime. This can be avoided by having those items in a Trust, with Trustees allowed to be in possession of them.
Does a Gun Trust file a tax return? ›Gun trusts do not have a filing requirement and the trust assets remain private. Trusts are generally taxed as an individual and do not require the same stringent reporting requirements and tax obligations of other legal entities.
Does USCCA pay upfront? ›
Criminal defense protection covers the cost of a criminal defense, including lawyer's fees, investigation costs and court fees. Notably, any fees or retainers are paid immediately by the USCCA. You don't need to spend your own money in order to be reimbursed later.
Does USCCA send you a card? ›Shortly after joining the USCCA, you will receive your New Member Kit in the mail.
Who owns the USCCA? ›The USCCA is an American-based association powered by Delta Defense, LLC. Delta Defense is headquartered in West Bend, Wisconsin, and serves over 635,000 USCCA members across the United States.
Is Texas Law Shield the same as U.S. LawShield? ›For many years, we provided our program to law-abiding residents of Texas and were known as Texas LawShield®. But demand for services existed well beyond the state of Texas, and our team expanded to other states. Along the way, we took on the name U.S. LawShield®.
Can you cancel U.S. LawShield? ›Members have the right to cancel their contract or policy and legal service at any time. Just call Member Services at 877-448-6839 to cancel via telephone, or you may cancel in writing. We will gladly refund your prorated unused membership fees or policy premiums.
Is LegalShield Real? ›LegalShield is an online legal service that provides affordable legal coverage for small businesses and individuals. Instead of paying the steep hourly rates typically charged by law firms, customers can pay a fixed monthly rate for legal representation and advice on a range of issues.
How much does Texas Law Shield cost? ›Gunowner Identity Theft Coverage covers all your current firearms and future firearm purchases. Pricing is just $6.95 per month or $83.40 annually per member.
Who is better than LegalShield? ›Overall Winner: Rocket Lawyer
In this comparison, LegalShield came out as the best service suitable for businesses, with the debt collection service, and the 3-month legal support for business establishment. But overall, Rocket Lawyer is recommended for individuals, and LegalShield, for businesses.
In Texas, you must have at least $30,000 in liability coverage for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. This basic coverage is called 30/60/25.
Does U.S. LawShield cover New Jersey? ›
U.S. LawShield is here to protect folks from the abuses that exist in the New Jersey system. To find out more about this, visit uslawshield.com.
Does LegalShield handle immigration? ›Does my membership cover immigration? A LegalShield membership provides consultation and a discount on other legal services related to immigration issues.
Does U.S. LawShield have an app? ›Download the app to join our community of 700,000+ responsible self-defenders! Or visit uslawshield.com to register for one of our educational events. Members: Get the app to access key account information, exclusive benefits and more!
How do I get out of LegalShield? ›- Phone: 1-844-714-8494 (Mon-Fri, 7 a.m. – 7 p.m. CDT)
- Email support@legalshieldcorp.com.
- Mailing address: One Pre-Paid Way Ada, Oklahoma 74820.
- Why we require a written request:
legalshield.com's top 5 competitors in November 2022 are: legalzoom.com, rocketlawyer.com, legalplans.com, countrywideppls.com, and more.
What is the difference between LegalShield and ID Shield? ›IDShield has more than one million members and is a division of LegalShield, which sells legal plans that give subscribers access to member attorneys. IDShield sells subscriptions to individuals, families, and companies that offer the service as an employee benefit.
What is Texas gov price for LTC? ›How much does it cost to obtain or renew an LTC? The standard fee for an original LTC is $40. The standard fee for a renewal of a LTC is $40. However, Texas law provides for some discounts if you meet certain special conditions.
How can I get a free lawyer in Texas? ›The Texas Legal Services Center is a nonprofit law firm that provides free representation and assistance to Texans who qualify for their services based on income or other criteria.
What is the difference between second call defense and U.S. LawShield? ›Second Call's Ultimate plan covers civil suit defense up to $1,000,000 and damages up to $250,000. USCCA covers civil liability defense and damages up to $2,000,000. US Law Shield covers civil defense costs but not damages.