5 Best Concealed Carry Insurance Comparison 2023

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 pet insurance, it’s always a good idea to check out the offerings of a few companies before deciding on which policy to go with.

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.

Followed up by a quick description of what all the legalese means.

Best Concealed Carry Insurance

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. 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.

But for a quick synopsis here’s the coverage details:

• Liability Insurance Limit: $2,000,000 annual aggregate
• Defense Expense: No Limit
• Cost of Bail Expenses: $100,000 of funds. A $1,000,000 bond usually costs $100,000 or 10% of the total.
• Incidental Expenses: $20,000
• Actual Loss of Earnings: Up to $750 per day

Plus…new signups with our link get a free access code to our video Beginner Handgun course.

Get the rest of the details here.

What’s your take on the USCCA?

2. 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 single budget-friendly tier — only $11 a month or $125 a year — Right to Bear makes a CCW self-protection plan achievable.

They’ve also upgraded their plan to be unlimited for both civil and criminal court. And if you’re found guilty in criminal court…they won’t claw back the amount.

Plus they’ve got some other great features like online training, psychological support, expert witness coverage, and industry discounts.

And something that I just found out and isn’t on their Features list (but is on their Education tab)…is that they’ll replace your gun if it is taken after a self-defense incident.

Disadvantages

If you’re looking for other add-ons such as spousal insurance, bail-bond coverage, minor coverage, or multi-stage coverage they are add-ons. But at reasonable prices:

• Additional Associate Coverage: $105/Year
• Multi-State Coverage: $35/Year
• Bail Bond Coverage: (Up to $100,000): $35/Year
• Minor Household Children: $35/Year

The Numbers

So what does this plan cost you?

• $11/month or $125 a year
• Add-ons above

See our full review of Right To Bear here.

3. 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.

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 downside to CCW Safe policies. But it’s not really if you read into it…

They cover you if you have a permit or live in a constitutional carry state. Otherwise there is a home only plan for those who live in states where it is difficult to get a permit. AKA where it’s legal anyways.

The Numbers

So what does this awesome Defender plan cost you?

• Monthly cost – $19/mo
• Civil defense coverage limit – no limit
• Criminal defense coverage limit – no limit
• Bail amount – $1,000,000
• Lost wages compensation – $250/day

These numbers go up if you get the Constitutional or Ultimate plans.

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

4. US & TX Law Shield

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

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

5. 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 – $9.95/mo
• Civil defense coverage limit – $500,000
• Accidental shooting protection – $10,000
• Criminal defense coverage limit – $100,000
• Bail amount – $25,000

Why Do You Need Concealed Carry Insurance?

Civil…criminal…what? These legal terms can be downright confusing. But here’s a quick overview of what they mean and why you want to be protected.

Civil Defense

Concealed carry insurance offers protection against liability claims resulting from using a firearm for self-defense in a civil claim. Some plans also protect against using any other legal object.

It can cover things such as:

• attorney fees
• bail bonds
• other costs

Criminal Defense

Even if the shoot was good, you’ll possibly still be charged with a crime.

If you don’t want to go to jail you’ll probably want a criminal defense attorney specializing in firearm self-defense. Most of the plans allow you to select your own so you aren’t stuck with the lowest bidder.

Good lawyers cost money, and you’ll also be dealing with other expensive things such as lost wages, bail bonds, and other incidentals.

Bail Bonds

Bail comes up several times and it’s basically an agreement to show up in court for a certain amount of money.

Bail bondsmen typically charge 10% of the bond up front for their service and this is what most plans cover.

Example: if you have a $1,000,000 bond the plan will cover the required $100,000.

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 Right to Bear and CCW Safe. 

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.  

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 CCW Guns!

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