Best Concealed Carry Insurance (2026)

Compare the costs, legal-defense benefits, and limitations of Right To Bear, CCW Safe, USCCA, Attorneys on Retainer, U.S. LawShield, and Second Call Defense.

“Concealed carry insurance” is a common search term, but these programs do not all operate the same way. Right To Bear and USCCA memberships include insurance benefits; CCW Safe is a legal-services subscription plan. Compare legal defense separately from civil damages, bail assistance, and optional benefits. Eligibility, covered incidents, exclusions, and attorney-selection rules depend on the specific membership agreement or insurance policy.

Compare your options: Prices · Coverage and benefits

Narrowing it down to Right To Bear or CCW Safe? Compare Right To Bear vs CCW Safe: total costs, eligibility, and add-ons before choosing a plan.

Our Recommended Choice!

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!

View current plans at Right To Bear 

Right To Bear has quickly gained popularity for its strong combination of low cost and comprehensive coverage. It’s a great starting point for those looking to maximize value without sacrificing protection. The program is backed by an “A”-rated insurance carrier, providing added confidence that coverage will be there when it matters most.

One of its biggest advantages is its simple, streamlined structure. Right To Bear offers a single affordable base plan with solid core coverage, then allows you to customize it with optional add-ons. This à la carte approach lets you tailor your protection to your specific needs, so you’re only paying for the coverage you actually want.

For membership options, benefits, and limitations, read our Right To Bear Insurance Review. Compare the total cost of the selected plan and required add-ons before choosing.

Important Details

Right To Bear membership includes access to a self-defense liability insurance policy providing benefits for covered incidents, subject to policy terms, conditions, and exclusions. Bail bond assistance is an optional add-on for the Individual Membership; it is included in certain other membership plans. Check the selected plan’s benefits before enrolling.

• Price – Individual Membership: $19/month — $205/year (current “Individual Membership” pricing).
• Other Memberships:
  • Family Protection Bundle: $40/month — $425/year (two adults plus all children under 18 in the home).
  • Law Enforcement & Security Membership: $220/year (for law enforcement, security, and veterans).
• Criminal Defense Coverage: Criminal defense coverage via a self‑defense liability policy obtained for members; protection applies to criminal defense after a covered act of self‑defense.
• Civil Defense Coverage: The same policy provides civil defense coverage for lawsuits arising from a covered self‑defense incident.
• Bail Coverage: Optional add-on; current add-on pricing is $4/month or $35/year, with benefits up to $100,000 for bail-bond expenditures. 
• Red Flag Law Coverage: Includes legal defense for Extreme Risk Protection Orders (ERPOs), helping cover legal costs if your firearm rights are challenged through a red flag proceeding
• Choose Your Attorney: Members get 24/7/365 attorney access and legal protection. You can work with counsel under the program’s billing and approval framework, but the exact process follows Right to Bear’s policy and guidelines.

Head over to Right To Bear Insurance to learn more:

Visit Right To Bear Insurance

2. CCW Safe

CCW Safe offers legal-services subscription plans, rather than an insurance product sold to members. Plans differ in eligibility, covered locations, and benefits. Criminal and civil legal defense are separate from civil liability damages, which require a plan or add-on that includes that benefit.

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 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

CCW Safe is a legal service membership that provides unlimited criminal and civil defense coverage for members involved in covered self‑defense incidents. They offer several plans tailored to different types of carriers.

Key plans relevant to concealed carriers:

• Defender Plan – core CCW plan for most civilians
• Protector Plan – for active/retired military and law enforcement, and qualifying veterans
• Ultimate Plan – premium CCW plan, often with spouse coverage
• Constitutional Carry Plan – for residents in constitutional carry states
• Home Defense Plan – in‑home self‑defense only
• Additional options: HR‑218, Freedom, and other specialized plans

Representative pricing (individual):

• Defender Plan: $19/month — $209/year
• Protector Plan: $16/month — $179/year
• Ultimate Plan: $47/month — $519/year
• Constitutional Carry Plan: $27/month — $299/year
• Home Defense Plan: $27/month — $299/year
• Higher‑level: “Freedom/Liberty” style plans typically range from about $37–$55/month and $399–$609/year, depending on bail and civil‑liability limits.

Coverage highlights (flagship CCW plans like Defender/Ultimate):

• Criminal Defense Coverage: Unlimited criminal defense with no cap on defense costs, including attorneys, investigators, experts, and trial expenses for covered self‑defense incidents.
• Civil Defense Coverage: Unlimited civil defense with no cap on defense costs for covered civil suits.
• Bail Coverage: Plans may include bond coverage up to $1,000,000 or $1,500,000 depending on tier, but CCW Safe pays the bond company fee up to 10% of that amount. 
• Civil Liability (Damages): Selected plans include $1,000,000–$1,500,000 in civil‑liability coverage for damages, separate from defense costs.
• Choose Your Attorney: You may choose your own attorney, but CCW Safe must approve them. They also maintain a network of experienced self‑defense attorneys.

Head over to CCW Safe to learn more:

 Visit CCW Safe

3. Attorneys On Retainer

Attorneys on Retainer combines a legal-services agreement with The Attorneys For Freedom Law Firm, association membership, and benefits backed by The Attorneys For Freedom Risk Retention Group. Compare both the legal-services agreement and the insurance policy when evaluating the program.

Representation requires a qualifying self-defense-related matter arising entirely after enrollment. The agreement requires a good-faith, legally sufficient self-defense claim and excludes unrelated matters. Criminal defense, related civil defense, and necessary appeals follow the agreement’s terms; additional financial benefits have their own limits.

Membership establishes an attorney-client relationship with the law firm under its agreement. Confidentiality remains subject to applicable professional-conduct rules. Review the agreements for representation scope, conflicts, and member obligations before joining.

Important Details

Attorneys on Retainer combines law-firm representation, association membership, and insurance benefits through its risk retention group. Legal representation and financial benefits are governed by separate agreements and policy terms. Review both when comparing AOR with other self-defense programs.

• Price – Self‑Protection Plan (Nationwide, individual): $37/month — $390/year. $100 sign up fee.
• Criminal Defense Coverage: For qualifying self‑defense incidents, AOR covers your criminal defense attorney fees from investigation through trial and certain appeals, without additional hourly charges beyond the membership fee.
• Civil Defense Coverage: AOR also covers civil defense attorney fees for qualifying self‑defense incidents.
• Bail Coverage: Membership includes bail‑related assistance and funding up to the limits set in the Self‑Protection Plan (they handle coordination and work to secure your release).
• Choose Your Attorney: AOR is centered on representation through the Attorneys For Freedom law-firm model, but the firm may also work with the member’s choice of local counsel in other jurisdictions. 

AOR also lists additional benefits such as a 24/7 emergency hotline, on‑scene advice, incident support, scene clean‑up, firearm replacement, and counseling allowances in its own membership details.

Head over to AoR to learn more:

 Visit Attorneys On Retainer

4. USCCA

USCCA offers a well-rounded package that goes beyond legal protection, combining training, education, and member discounts. Each membership includes the same Self-Defense Liability Insurance, but what really sets USCCA apart is its focus on helping members become more informed and prepared concealed carriers.

One of the standout benefits is access to educational resources and training opportunities. Members can take advantage of a wide range of courses (some may require an additional fee), along with regularly updated content that helps answer common—and not-so-common—concealed carry questions.

A particularly useful tool is their Concealed Carry Reciprocity Map, which allows you to quickly check and stay up to date on firearm laws across different states—an essential resource for anyone who travels while carrying.

Here are a list of just some of the benefits that come with USCCA membership:

USCCA combines education and training with insurance benefits. Compare the total membership cost, policy conditions, and resources you expect to use when evaluating its value.

Important Details

Current Pricing (Individual)

• Gold: $39/month — $399/year
• Platinum: $49/month — $499/year
• Elite: $59/month — $599/year

Core Legal Coverage (All Tiers)

• Criminal Defense / Attorney Fees: No stated dollar cap on insurer-incurred defense expenses for covered claims. Attorney approval, billing requirements, exclusions, and coverage-termination provisions apply. Different limits apply to counsel not approved by the insurer.
• Civil Defense and Damages: Insurer-incurred defense expenses for covered civil claims are paid separately from the damages limit, subject to policy conditions. Compensatory damages are limited to $2,000,000 per claim and $2,000,000 per insured annually. Fees for counsel not approved by the insurer have a separate limit and reduce the available insurance limit.
• Bail Coverage: Up to $250,000 for bail bond funding and related legal expenses
• Choose Your Attorney: Yes — you may select your own attorney, subject to approval and policy guidelines
• Upfront Payments: Legal costs are paid upfront for covered claims, not reimbursed later

Head over to USCCA to learn more:

Visit USCCA

5. US Law Shield

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

U.S. LawShield is a legal defense membership focused on providing unlimited attorney coverage for members involved in covered self-defense incidents. Pricing and available options can vary by state and are selected during the sign-up process.

• Price – Base Coverage (Individual): Membership starts at approximately $10.95 per month; final pricing depends on your state and any add-ons you choose
• Criminal Defense Coverage: Unlimited attorney fees for covered criminal self-defense cases, with no caps, hourly limits, or deductibles
• Civil Defense Coverage: Unlimited attorney fees for covered civil defense cases
• Bail Coverage: Available as an optional add-on; coverage amounts and pricing vary by state and are shown during sign-up
• Choose Your Attorney: No — members are represented through U.S. LawShield’s network of independent program attorneys. 

Head over to US Law Shield to learn more:

Visit US Law Shield

6. Second Call Defense

Second Call Defense is a membership-based program that provides legal and financial protection for individuals involved in covered self-defense incidents. Their services include immediate access to an attorney, upfront funding for legal defense, bail bond assistance, and civil defense coverage.

The goal is to remove the financial burden after a defensive incident, allowing you to focus on your safety, recovery, and next steps.

Important Details

Second Call Defense uses a tiered membership structure, offering increasing levels of protection as you move up in plans.

Key Plans (Individual)

• Basic Plan – entry-level option with limited benefits
• Full Protection – Defender Plan – most popular core protection tier
• Higher tiers – Ultimate and Ultimate Plus for expanded coverage

Representative Pricing (Individual)

• Basic: $9.95/month — $119/year
• Full Protection – Defender: $14.95/month — $179/year
• Ultimate: $34.95/month — $399/year
• Ultimate Plus: $44.95/month — $499/year
• Spouse Add-On: ~$5/month on Defender (higher tiers ~$7–$9/month depending on plan)

Coverage (Defender and Above)

• Criminal Defense Coverage: Unlimited criminal defense for covered self-defense incidents
• Civil Defense Coverage: Unlimited civil defense coverage on Defender, Ultimate, and Ultimate Plus plans
• Bail Coverage: Up to $1,000,000 in bail bond coverage depending on plan
• Civil Damages: Tier-based coverage — $50,000 (Defender), $500,000 (Ultimate), up to $1,000,000 (Ultimate Plus)
• Choose Your Attorney: Members have access to a nationwide network of vetted attorneys and immediate legal support following an incident

Head over to Second Call Defense to learn more:

Visit Second Call Defense

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 (Individual)	Monthly Cost	Yearly Cost
Right To Bear	Individual Membership	$19	$205
CCW Safe	Defender Plan	$19	$209
*Attorneys On Retainer	Self-Protection Plan	$37	$390
USCCA	Gold Membership	$39	$399
*U.S. LawShield	Base Coverage	$11	$132
Second Call Defense	Full Protection – Defender	$15	$179

Note: Attorneys on Retainer typically requires a one-time $100 setup fee.
Note: U.S. LawShield pricing varies by state, and final costs depend on your location and selected add-ons.

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	U.S. LawShield	Second Call Defense
Model Type	Insurance	Membership	Law firm + RRG insurance	Insurance	Law Firm	Insurance
Criminal Defense	Unlimited	Unlimited	Unlimited	No stated cap*	Unlimited	Unlimited
Civil Defense	Unlimited	Unlimited	Unlimited	No stated cap*	Unlimited	Unlimited
Civil Damages	None	$1M–$1.5M (select plans)	$100,000	$2M/claim; $2M/year*	None	$50k–$1M (plan-based)
Bail Coverage	+$4/mo add-on (up to $100k)	Up to $1M–$1.5M bond (10% covered)	Plan-based assistance	Up to $250k	+$2.95/mo add-on	Up to $1M (plan-based)
Psych Support	Yes	Up to 40 sessions	Yes (limited)	No	No	Yes
Choose Attorney	Yes	Approved	Firm-led (may coordinate local counsel)	Approved	No (network only)	Network-based with coordination
Red Flag Laws	Yes	Optional add-on	Up to $15,000	Included	Included	No
Overall Value	⭐Best Overall	⭐Strong Alternative	Niche Option	Higher Cost	Budget Option	Mid-Tier Option

*USCCA: No stated dollar cap applies to insurer-incurred defense expenses for covered claims, subject to policy conditions. The damages aggregate is per insured annually. Different limits apply to unapproved counsel, and those payments reduce the available insurance limit. Attorney approval, billing requirements, exclusions, and coverage-termination provisions apply.

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.

A high or uncapped defense benefit can reduce exposure to eligible legal expenses. It does not remove eligibility rules, exclusions, attorney requirements, or provisions that end benefits.

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: May pay eligible bail-bond costs, subject to plan limits and conditions. Assistance does not guarantee release.
• 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.

Additional benefits vary by provider and plan. Check their limits, exclusions, and whether they are included or require an add-on.

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!

Right To Bear Insurance stands out among competitors for its strong balance of comprehensive coverage and affordability, offering unlimited criminal and civil defense at a budget-friendly price.

View current plans at Right To Bear

It provides excellent value for concealed carry holders seeking reliable legal protection. Their upfront payment model—rather than reimbursement—helps remove the immediate financial burden following a self-defense incident, which can be critical in high-stress situations.

In addition, Right To Bear allows you to customize your plan with optional add-ons, so you only pay for the coverage you actually need. Altogether, this combination of flexibility, value, and solid protection makes Right To Bear a top choice for those looking for both peace of mind and cost-effective coverage.

If you’re considering an alternative, CCW Safe is another excellent option. It offers unlimited legal defense coverage along with a strong reputation for member support, all at a competitive price point.

Ultimately, the right concealed carry insurance comes down to your individual needs and priorities. Both Right To Bear and CCW Safe provide high-quality protection and are strong choices for anyone looking for added peace of mind.

If you want to learn more about getting started, be sure to check out our 5 Step Guide to Concealed Carry.