Best Concealed Carry Insurance (2025)
We have compared the price and coverage of the best concealed carry insurance companies on the market. Below we list our top picks and provide you with a break down of each one. We also provide charts comparing their prices and coverages to help you find the plan that works best for you.
We looked at Right To Bear, CCW Safe, USCCA, Attorneys On Retainer, US Law Shield, and Second Call Defense. Find out the results and who we chose for our top pick for concealed carry insurance.
If you are just looking for our pick for best concealed carry insurance…here it is. Click below and use our Code: CCS15 to save 15%! Choosing the Yearly option saves you the most money.
Our Recommended Choice!
We partnered with Right To Bear Association because they provide affordable and comprehensive self-defense coverage designed specifically for responsible gun owners.
Less than $158 per year or $17/mo
SAVE 15% with Code: CCS15
- Most Affordable
- Unlimited Criminal and Civil Defense Coverage
- Add Ons to Customize Your Plan
- Bail Bond Protection costs $4 more per month
Use our discount code CCS15 to save 15% while it lasts!
However, if you are not yet sure which company you want to go with, read on. We will break down each company’s cost and main coverages as well as give a brief overview of each one and what they offer.
Read Concealed Carry Insurance Explained
Best Concealed Carry Insurance Companies
1. Right To Bear
Our Recommended Choice!
Save 15% at Right To Bear with code: CCS15
Pros
Cons
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.
The huge advantage that Right To Bear Insurance offers is that they have one low cost plan that has great coverage. You then get to choose the options that fit your needs à la carte. You only pay for the coverage you want!
If you would like a more in-depth look into Right To Bear be sure to read our Right To Bear Insurance Review where we dig deeper into who they are and what they offer. We are pretty sure you will not find this good of package at a better price.
Important Details
- Price: $17 per month / $185 per year
- Criminal Defense Coverage: Unlimited
- Civil Defense Coverage: Unlimited
- Bail Coverage: Offered for additional $4
- Choose Your Attorney: Yes
Head over to Right To Bear Insurance to learn more:
2. CCW Safe
Pros
Cons
CCW Safe offers a wide variety of concealed carry insurance packages. Each package is geared to fit different customers needs. Some of their packages do have stipulations as to who qualifies or what they will cover.
Some packages require you to have a concealed carry permit, some require you to be active or retired law enforcement, and some are made for specific purposes like Constitutional Carry State, Home Defense or Church Security Plan.
CCW Safe Packages Offered:
- Ultimate Plan
- Defender Plan
- HR-218 Plan
- Protector Plan
- Freedom Plan
- Constitutional Carry Plan
- Home Defense
- House of Worship Volunteer Security Plan
CCW Safe has been in the business for a while and they know what they are doing. Their large selection of specialized plans can help you tailor your coverage to suite your specific needs.
Important Details
- Price: $19 per month / $209 per year
- Criminal Defense Coverage: Unlimited
- Civil Defense Coverage: Unlimited
- Bail Coverage: Offered for additional $5
- Choose Your Attorney: Yes, but must be approved
Head over to CCW Safe to learn more:
3. Attorneys On Retainer
Pros
Cons
When it comes to legal protection for concealed carry, Attorneys on Retainer (AOR) stands out because they’re not an insurance company at all. Instead, they’re part of the Attorneys for Freedom Law Firm, offering a direct legal defense service. This means you get immediate access to attorneys for criminal or civil defense without the typical insurance policy caveats.
With AOR, you’re covered from the moment of the incident through trials and appeals, including bail, scene cleanup, and even mental health support. Because they aren’t insurance, they don’t have the same focus on minimizing payouts; their goal is full-throttle defense.
Plus, you keep attorney-client privilege from the get-go, which isn’t always guaranteed with insurance policies. If you want straightforward legal support without insurance complications, AOR might just be the way to go.
Important Details
- Price: $35 per month / $357 per year
- Criminal Defense Coverage: Unlimited
- Civil Defense Coverage: Unlimited
- Bail Coverage: Yes
- Choose Your Attorney: No
Head over to AoR to learn more:
4. USCCA
Pros
Cons
USCCA offers a unique package of training, education, and industry discounts. Each membership also includes the same Self-Defense Liability Insurance.
What we like about USCCA is that they offer education and training aspects of concealed carry. Their members get access to training classes (additional costs may apply), as well as up to date concealed carry information to answer most of your carry questions.
A great example of one of the tools that USCCA offers is their Concealed Carry Reciprocity Map that helps you keep up to date on the gun laws in each state!
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
We used to be partnered with USCCA, but recently we ended that partnership. Due to their large increase in prices, as well as some recent conflicts in the media, we decided to move them slightly down our list.
Important Details
- Price: $39 per month / $399 per year
- Criminal Defense Coverage: Unlimited
- Civil Defense Coverage: Unlimited
- Bail Coverage: Yes
- Choose Your Attorney: Yes
Head over to USCCA to learn more:
5. US Law Shield
Pros
Cons
US Law shield is a company that has been around quite a while and has a good track record in the industry. They offer similar coverage that the other companies on the list offer and a low price. The only downfall is that they get to choose your attorney. If you want to choose your own you may want to look elsewhere.
We heavily value the ability to choose your own attorney. This was a big sticking point with us, and it kept US Law Shield from moving any further up our list. However, they do offer decent coverage and a good price.
You may see this listed as Texas Law Shield sometimes. That is due to the company starting out under that name and then expanding their coverage to the rest of the country and becoming US Law Shield.
Important Details
- Price: $11 per month / $132 per year
- Criminal Defense Coverage: Unlimited
- Civil Defense Coverage: Unlimited
- Bail Coverage: Offered for additional $2.95
- Choose Your Attorney: No
Head over to US Law Shield to learn more:
6. Second Call Defense
Pros
Cons
Second Call Defense is a membership-based organization offering legal and financial protection for individuals involved in self-defense incidents. Their services include immediate access to attorneys, upfront payment of legal fees, bail bond coverage, and civil suit defense.
They aim to provide peace of mind by handling the aftermath of a defensive situation so you can focus on your safety and recovery.
However, one notable downside is that members cannot choose their own attorney; they must use one from the organization’s approved network, which is a big downside to us.
Important Details
- Price: $15 per month / $179 per year
- Criminal Defense Coverage: Unlimited
- Civil Defense Coverage: Unlimited
- Bail Coverage: Yes
- Choose Your Attorney: No
Head over to Second Call Defense to learn more:
Concealed Carry Insurance Companies Compared
Below, you’ll find simple charts that break down the prices and coverages of the concealed carry insurance companies we listed above. These comparisons make it easier to see what each provider offers so you can choose the one that fits your needs best. If you’re looking to protect yourself or reevaluating your current plan, this info will help you make a confident decision.
Concealed Carry Insurance Price Compared
The chart below breaks down the pricing for top concealed carry insurance providers, making it easy to compare your options.
| Insurance Program | Base Plan Monthly Cost | Yearly Cost |
| Right To Bear | $17 | $185 |
| CCW Safe | $19 | $209 |
| Attorneys On Retainer | $35 | $357 |
| USCCA | $39 | $399 |
| US Law Shield | $11 | $132 |
| Second Call Defense | $15 | $179 |
Concealed Carry Insurance Coverage Compared
The following chart compares the coverage options from different concealed carry insurance companies, helping you find the best fit for your needs.
| Category | Right To Bear | CCW Safe | Attorneys on Retainer | USCCA | US Law Shield | Second Call |
| Criminal Defense | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited |
| Civil Defense | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited |
| Civil Damages | None | None | None | $2,000,000 | None | $50,000 |
| Bail Coverage | Available | Available | Yes | Yes | Available | Yes |
| Psych Support | Yes | Yes | No | No | No | Yes |
| Choose Own Attorney | Yes | Yes, Must be approved | No | Yes | No | No |
How We Compared Concealed Carry Insurance Companies
We’ve carefully compared the top concealed carry insurance companies based on two key factors: coverage and price. The sections below break down these aspects to give you a clear view of how each provider stacks up.
Coverage
We looked at key areas like Criminal Defense, Civil Defense, and additional benefits each provider offers. These factors are crucial in ensuring you have the right protection if you ever need it.
Criminal Defense Coverage
Criminal Defense coverage helps protect you if you’re involved in a self-defense incident that results in criminal charges. This coverage ensures you have access to legal representation and can help cover the costs of your defense.
Unlimited Criminal Defense coverage is especially important because legal fees can quickly add up, especially in complex cases. With unlimited coverage, you won’t have to worry about running out of resources to fight for your rights and defend yourself in court.
Civil Defense Coverage
Civil Defense coverage comes into play if you’re sued after using your firearm in self-defense. It covers the costs associated with defending yourself in a civil court, where the focus is on whether you’re liable for damages, rather than criminal guilt.
Having solid Civil Defense coverage is crucial, as lawsuits can be expensive and time-consuming. This protection helps ensure you’re not left financially exposed if someone decides to take legal action against you after an incident.
Other Coverages
Under “Other Coverages,” we’ve considered a range of additional protections that can make a big difference in a stressful situation. These include:
- Bail Bond Coverage: Helps cover the cost of your bail if you’re arrested after a self-defense incident. This ensures you can get out of jail while you await trial or further proceedings.
- Choice of Attorney: Some providers allow you to choose your own attorney, giving you more control over your defense and ensuring you have the right legal expertise for your case.
- Firearm Replacement: If your firearm is confiscated or damaged during a self-defense incident, this coverage can help cover the cost of replacing it.
- Expert Witness Coverage: In many self-defense cases, expert witnesses are crucial to establishing the validity of your actions. This coverage helps pay for expert testimony, which can make a significant difference in court.
- Psychological Support: After a traumatic incident, psychological support can be essential for your well-being. This coverage helps you access counseling or therapy to cope with the emotional aftermath.
- 24-Hour Hotline: Many providers offer access to a 24-hour legal and emergency hotline, so you can get immediate advice and assistance in the crucial moments after a self-defense incident. This ensures you’re not left to navigate the situation alone, no matter the time of day.
These additional coverages help ensure you’re fully protected throughout the legal and personal challenges that may follow a self-defense situation.
Price
Price is a major factor for many when choosing concealed carry insurance, as it needs to fit within your budget while still offering the protection you need.
We’ve compared the monthly costs for each provider, as well as the potential savings you can get by opting for a yearly plan. A yearly plan often provides a more affordable option in the long run.
In addition, we also took a close look at any add-ons or optional coverages that can be included with your policy, which can impact the overall cost. Discounts were another key area we considered, if you get a decent discount off the yearly payment, it can make a huge difference.
Conclusion
Our Recommended Choice!
We partnered with Right To Bear Association because they provide affordable and comprehensive self-defense coverage designed specifically for responsible gun owners.
Less than $158 per year or $17/mo
SAVE 15% with Code: CCS15
- Most Affordable
- Unlimited Criminal and Civil Defense Coverage
- Add Ons to Customize Your Plan
- Bail Bond Protection costs $4 more per month
Save 15% at Right To Bear with code: CCS15
Right To Bear Insurance stands out among its competitors for its remarkable balance of comprehensive coverage and affordability. Offering unlimited criminal and civil defense coverage at a budget-friendly price.
It presents an exceptional value for concealed carry holders looking for robust legal protection. Its upfront payment policy for legal costs, rather than reimbursement, alleviates immediate financial burdens following a self-defense incident.
Additionally, Right To Bear provides the flexibility to customize your plan with various add-ons, ensuring you only pay for what you need. These reasons make Right To Bear our top pick for those seeking both peace of mind and financial sensibility in concealed carry insurance.
However, if you’re looking for an alternative, CCW Safe is also an excellent choice. CCW Safe offers unlimited legal coverage and a strong emphasis on member support and good prices.
CCW Safe is great for concealed carry license holders, law enforcement, and military. They have also recently added a plan that covers people without licenses in constitutional carry states.
Just be sure that you are eligible for the package you choose.
- Upfront Unlimited Legal Defense Costs
- Large Variety of Coverage Options
- High Bond and Liability Limits
- For Cheapest Plan You Must Have CCW License
Ultimately, the right concealed carry insurance for you depends on your specific needs, but Right To Bear and CCW Safe both provide top-tier protection for peace of mind.
If you are looking for more information on concealed carry, be sure to read our 5 Step Guide To Concealed Carry!
