Best Concealed Carry Insurance [Top 6 Comparison]

When it comes to picking CCW insurance, the options can be a little overwhelming. 

Just like any other type of insurance though, whether it’s car insurance, life insurance, or even the all-important pet insurance (yes, it’s a thing), it’s always a good idea to check out the offerings of a few companies before deciding on which policy to go with.

But shopping for insurance can be tiring and overwhelming…so what type do you choose? Luckily, we’ve gathered the best of the best to help you narrow down the choices and find out which insurance is right for you.

Summary of Our Top Picks

1. 

   Editor’s Pick

   USCCA Membership

   USCCA Membership includes coverage, not a dedicated insurance program

   $25 at USCCA
   Jump to Details

2. 

   NRA Membership Upgrade

   Lockton Affinity Outdoor Insurance (NRA)

   Add on to NRA membership, $75/year

   $75 at Lockton Affinity Outdoor
   Jump to Details

3. 

   Most Affordable

   Right to Bear Insurance

   3-tier plan, budget friendly

   $10 at Right to Bear Insurance
   Jump to Details

4. 

   Best No Limit Plan

   CCW Safe

   No limits on crim/civil defense costs, $500K bond coverage

   $19 at CCW Safe
   Jump to Details

5. 

   Budget No Limit Plan

   US & TX Law Shield

   No limit on crim/civ defenses, affordable, no lost wages reimbursement

   $10 at US & TX Law Shield
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6. 

   Mid Tier Plan

   Second Call Defense

   Middle of the road option in terms of pricing and offerings.

   $10 at Second Call Defense
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Show more (1 item)

Playing the Insurance Game

I’m sure there are a few of you out there that don’t think CCW insurance is even necessary.

For some of you, this may actually be true, but only if you’re somehow stuck in a state that doesn’t recognize the Second Amendment, and/or you’re limited to shooting your firearms at the range only. On top of that, you also need to have decided that you will never use a firearm in self-defense, even at home.  

If you meet those conditions, then CCW insurance might not be for you.

For literally everyone else, you should probably at least check out the most basic options available, even if you don’t carry, concealed or otherwise. If you ever need to discharge your firearm — whether it’s at home, in your car, or in the sketchy parking lot outside of that equally sketchy Denny’s — you’ll wish you were covered.

CCW insurance is basically just insurance to cover MOST costs associated with using your firearm in a self-defense situation.  

What Does It Cost Anyway?

Regardless of whether the police think it’s a “clean” self-defense shooting, it will likely be something decided in court by a jury. That means court fees, attorneys’ fees, and all the other fun stuff that comes with it.  

Unless you’ve got a rainy day fund for this exact purpose, CCW insurance is usually the way to go. (And FYI, that rainy day fund could go towards extra guns and ammo instead. Just saying.)

Technically Not Insurance, But… [USCAA & NRA]

USCCA

One of our team’s favorite options isn’t technically insurance…

However, they are the biggest player whenever someone thinks about “concealed carry insurance.”

But rather, it is a membership where you get tons of education and have personal liability insurance a part of your membership.

A little confusing…but our editor goes over it ALL in his USCCA review. And if it helps…he’s been a member since 2017!

We’ll go over what tier to get, a breakdown of all the courses you get, and how to get a free course from Pew Pew Tactical as well.

Get all the details here.

What’s your take on the USCCA?

NRA Carry Guard

RIP NRA Carry Guard…after two years of lawsuits and state investigations, the National Rifle Association announced Carry guard was closing.

But that doesn’t mean you still can’t get some insurance benefits through the NRA. It’s just now an upgraded perk of membership granted through Lockton Affinity Outdoor.

It’s worth noting that it isn’t directly included in your NRA benefits when you sign up but as an add-on with special pricing.

Personal Firearms Liability Insurance starts at $75 per year. This policy covers costs related to “hunting and shooting accidents, accidental discharges, lost or stolen firearms, and lawful personal defense.”

The Numbers

• Monthly cost – $75/year
• Combined single limit – $250,000
• Criminal defense reimbursement – $50,000

Best Concealed Carry Insurance Providers

Worth noting before we start that all of these options focus on the lowest tier of pricing. Many of these companies offer multiple plans, so if these don’t cover what you want, consider upgrading to a higher-level plan.

1. Right to Bear

If you like options and some flexibility, Right to Bear presents a decent option for those looking to be insured.

Advantages

Offering a budget-friendly low tier — only $10.95 for Bronze — Right to Bear makes a CCW insurance policy achievable regardless of your budget.

And, bonus, if you want more coverage, you can get it by upgrading to Silver, Gold, or Platinum status.

At the Bronze level, you’ll get multi-state coverage, 24/7 claims hotline, psychological support, expert witness coverage, and spousal coverage.

Unique coverage options and a lot of flexibility make Right to Bear truly stand out.

Disadvantages

If you’re looking for an unlimited policy, look elsewhere.

The Numbers

So what does this plan cost you?

• Monthly cost – $10.95/mo
• Per incident limit: $25,000
• Total coverage limit: $50,000

2. CCW Safe

CCW Safe is a well-established and time-tested CCW coverage plan.  

Advantages 

One of the biggest draws for CCW Safe is that there is no limit on the amount of criminal or civil defense you are covered for.  

Now, that doesn’t mean you shouldn’t worry when discharging your firearm since you should only ever use it at the range or in self-defense.  

It’s just the policy of CCW Safe to provide as much coverage as you need, not as much as they’re willing to budget.

They don’t require a reimbursement method of payment, so you won’t have to worry about paying for any of your civil or criminal defense costs at all.  

CCW Safe also does not seek reimbursement of defense costs if you’re found guilty or have to plead to a lesser offense.

Lastly, CCW Safe is the only company we came across which offered a plan specifically for those who only want to be covered for self-defense in their homes. If you don’t or can’t carry outside the home, you can sign up for their Home Defense plan, which provides the same coverage, just limited to your home.

2021 Update: They also now cover red flag incidents with $5k coverage for their lower Defender plan and $10k for their Ultimate plan. And if a red flag case is associated with a covered self-defense case you are covered 100%.

Disadvantages

While close to being the perfect plan, there is one major downside to CCW Safe policies.

You must have a CCW permit in order to sign up with CCW Safe or live in a state where a permit is not required. Otherwise, you’ll only be able to sign up for their Home Defense plan.

The Numbers

So what does this awesome plan cost you?

• Monthly cost – $19/mo
• Civil defense coverage limit – no limit
• Criminal defense coverage limit – no limit
• Bail amount – $500,000
• Lost wages compensation – $250/day

Yup…we have a full review of CCW Safe too!

3. US & TX Law Shield

Does size really matter? Your mom seems to think so. That’s right, a your mom joke.

But seriously, even though they are one of the smaller companies in the CCW insurance game, US & TX Law Shield offers a relatively competitive plan, at very competitive prices.  

With that lower price comes some tradeoffs.

Advantages

You’d think a smaller company with lower prices wouldn’t be able to compete with the big boys at all. And you’d be wrong. Despite their size, US & TX Law Shield actually has no limit on their civil or criminal defense coverage.

What’s more, the payments are made upfront, so you don’t need to worry about waiting for reimbursements on attorneys’ fees while you’re busy planning your legal defense.

Disadvantages

The lower cost has to be made up somewhere, right? With the cheaper offering from US & TX Law Shield, their basic plan offers NO lost wages compensation, and there are additional charges tacked on to the plan if you want to have bail coverage or have your policy effective throughout the entire US.  

It’s essentially a way to tailor your plan to suit your needs. Though after adding back in all the coverage offered as part of a standard policy by the other companies, you might end up paying about the same anyway.

The Numbers

Getting down to brass tacks, here’s where US & TX Law Shield stands:

• Monthly cost – $10.95/mo
• Civil defense coverage limit – no limit
• Criminal defense coverage limit – no limit
• Bail amount – no coverage at the basic level
• Lost wages compensation – no coverage at the basic level

4. Second Call Defense

Not the last call, but the second call (get it???), Second Call Defense sits right in the middle, offering decent coverage limits. They aren’t the best, but also not the worst.

Advantages

Like some of the better plans, Second Call Defense offers upfront payments of all your covered fees, such as attorneys’ fees. So, you don’t have to shell out the money yourself for bail or during the trial.  

The coverage also ranks right up there with the big boys and covers the entire US in their standard plan.

Disadvantages 

As a middle-tier offering, the criminal defense coverage is on the lower end, as is the bail amount. Of course, this is pretty much expected going in.

The Numbers

With nothing surprising here as a middle-of-the-road offering, Second Call Defense numbers look like this:

• Monthly cost – $14.95/mo
• Civil defense coverage limit – $500,000
• Criminal defense coverage limit – $50,000
• Bail amount – $5000
• Lost wages compensation – $250/day

So Which Is The Best?

This is where you get the favorite answer of lawyers everywhere…it depends.

While it seems like a cop-out, it really does depend on what you want, and what you think you’ll need.  

Even the staff here at Pew Pew Tactical have gone with different providers to suit our individual needs, ranging from USCCA to CCW Safe, and even US & TX Law Shield.  

The main thing is that you get some type of insurance, rather than none at all.

Ultimately, just like choosing any other insurance policy, try to see which of these plans seem like they would fit you the best, and check them out in detail.

We even have a couple of reviews on some of the providers, to help you make a more informed decision – if you haven’t read those, take a look at our USCCA and CCW Safe reviews.  

Even at around $20/mo for a typical CCW insurance policy, the money adds up, and could easily be spent on ammo instead, so it’s a good idea to be sure you know what you are getting for your money.  

Everyone’s situation is different, and someone in a free state like Texas may want to consider a policy that provides more coverage than someone living in the heart of New York City.

It’s also important to note that not all the policies we compared are available in all states. There are varying insurance and firearms regulations across the 50 states, so it never hurts to pick a few options just in case your top choice isn’t available in your home state.  

Moving is always an option too.

Final Thoughts

While everyone’s got their own views on insurance policies, at the very least, consider coverage limits and bail amounts when shopping around.

At the end of the day, it all comes down to your situation and what works best for you. But, again, any insurance plan is better than none at all.

Was there a CCW Insurance that we didn’t cover? What CCW insurance did you choose? Let us know in the comments! If you’re looking for a new CCW gun, take a look at the Best New CCW Guns!

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