Concealed Carry Insurance

Best Concealed Carry Insurance

We have compared the price and coverage of the best concealed carry insurance companies. We break down the prices and the coverages to help you find the plan that works best for you. Don’t be caught away from home without the right coverage.

We looked at USCCA, Right To Bear, US Law Shield, ACLDN, CCW Safe, and Second Call Defense. Find out the results and what we chose to do for our concealed carry insurance.

Do you need concealed carry insurance?

Concealed carry insurance isn’t a legal requirement, but it’s a strongly recommended safeguard for anyone who carries a firearm for self-defense. This type of insurance can provide financial and legal assistance if you ever need to use your firearm in self-defense.

If you are just looking for our pick for best concealed carry insurance…here it is. Click below if you are looking to become a member of an organization that offers a massive amount of education, top of the line training all over the country, savings from industry leaders, as well as great self defense liability insurance.

Top Pick
USCCA
5.0
Memberships as Low As $29 per month or $299 per year!

Nearly 1 million gun owners across America have joined the United States Concealed Carry Association (USCCA) to get life saving education, industry leading training, and self defense liability insurance. 

Pros:
  • Top of the line education
  • Expert training
  • Extensive video library
  • Self-Defense Liability Insurance
Cons:
  • Email Advertising: You will receive many informational and sales emails.
View Current Deals Our Review

Visit USCCA To Learn More

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.

Best Concealed Carry Insurance Companies

Here are the best concealed carry insurance companies currently offering legal protection in the United States.

  • USCCA
  • 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 lot 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 defense. These can be some of the most expensive cost you can face if you ever find yourself in court.

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 a company that suits your needs. Everyone has different things they are looking for in a company. For some it will be education and training, for others it may be just a low cost, high coverage legal defense.

Some of the companies we looked at have base plans that allow you to add the extra coverages that you want, this can be a great way to streamline your plan to suit your individual needs.

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 ProgramBase Plan Monthly CostYearly Cost
USCCA$29$299
Right To Bear$15$165
U.S. Law Shield$25$300
ACLDNN/A$150
CCW SafeN/A$519
Second Call Defense$15$180

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, with today’s economy it can certainly come into play. Finding a company that fits your budget is very important to many people.

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. We used the coverages that come with the above prices for you to compare.

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

CategoryRight To BearUSCCAUS Law ShieldACLDNCCW SafeSecond Call
Criminal DefenseUnlimitedUnlimitedUnlimitedUnlimitedUnlimited$100,000
Civil DefenseUnlimitedUnlimitedUnlimitedUnlimitedUnlimited$500,000
Psych SupportIncludedNoneNoneNoneNoneIncluded
Comp While In CourtAvailable$750 DailyNoneNoneNoneNone
Civil DamagesNone$2,000,000NoneNone$1,500,000$50,000
Choose Your Own AttorneyYesYesNoYesYesYes

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! Keep in mind that prices and coverages can change so make sure you double check before you make your decision.

USCCA

USCCA Logo

We highly recommend getting a USCCA membership. USCCA offers a unique package of high quality training, education, and industry discounts. Each membership also includes the same Self-Defense Liability Insurance.

What we like most about USCCA is that they are focused on the education and training aspects of concealed carry. Their members get access to top of the line 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 just 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! I use this all the time when traveling as well as to check any changes in my home state’s gun laws.

Their education by way of videos and articles, as well as training that they offer makes them a great option for anyone looking for more than just concealed carry insurance.

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

Head over to USCCA to learn more:

Visit USCCA

Right To Bear

Right To Bear Insurance

Save 15% at Right To Bear with code: CCS15

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.

RTB2024AllPricing

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!

I highly recommend to at least upgrade to the Multi-State Coverage. For only $4 per month you can be covered in all 50 states!

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

Head over to Right To Bear Insurance to learn more:

Visit Right To Bear Insurance

US Law Shield

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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.

US Law shield is pretty good, but they don’t really have all the bells and whistles that USCCA offers…and that’s ok. If you are just looking for some quality protection, you can’t go wrong with them.

From their website we found a few options that are available to their members.

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

Head over to U.S. Law Shield to learn more:

 Visit U.S. Law Shield

ACLDN

Untitled design 45

This is a little different from the standard insurance, but is a decent option if you are just looking to have some legal help.

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:

 Visit ACLDN

CCW Safe

ccw safe insurance 1

CCW Safe offers a wide variety of concealed carry insurance packages. Each package is geared to fit different customers. Each of their packages does 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 Home Defense or Church Security Plan.

Their packages include:

  • Ultimate Plan
  • Defender Plan
  • HR-218 Plan
  • Protector Plan
  • Freedom Plan
  • Constitutional Carry Plan
  • Home Defense
  • House of Worship Volunteer Security Plan

While you may or may not qualify for many of their plans, it doesn’t hurt to check them out. Their plans can be a little pricey compared to others on the list, but might fit your needs if you qualify.

Head over to CCW Safe to learn more:

 Visit CCW Safe

Second Call Defense

Second Call Defense 1

Second Call Defense has a couple affordable coverage options available, as well as some more higher priced options that offer more coverage.

While the plan we used to compare here is the lowest one we would choose, it might be a little light in the coverage area as it is the only plan on the list that is not unlimited in civil and criminal defense. If you are going to go with Second Call, I would suggest upgrading to one of their larger plans.

Second Call does have a great collection of training articles and videos on their website. You don’t have to be a member to check them out, which is really awesome of them to do.

They also do a great job of telling you exactly what to do if you ever find yourself in a scenario that you have to use your firearm.

Head over to Second Call Defense to learn more:

 Visit Second Call Defense

Conclusion

Top Pick
USCCA
5.0
Memberships as Low As $29 per month or $299 per year!

Nearly 1 million gun owners across America have joined the United States Concealed Carry Association (USCCA) to get life saving education, industry leading training, and self defense liability insurance. 

Pros:
  • Top of the line education
  • Expert training
  • Extensive video library
  • Self-Defense Liability Insurance
Cons:
  • Email Advertising: You will receive many informational and sales emails.
View Current Deals Our Review

After thorough comparison and analysis of leading concealed carry insurance providers—USCCA, Right To Bear, US Law Shield, ACLDN, CCW Safe, and Second Call Defense—I have determined that USCCA stands out as the top choice for comprehensive coverage, resources, and support for responsible gun owners.

All three of USCCA’s tiers of membership offer great benefits to any gun owner. The knowledge and tools that they give, along with the self defense liability insurance, sets them at the top of the mountain.

For those seeking an effective yet budget-friendly option, Right To Bear emerges as a commendable choice, offering essential legal defense coverage at an affordable rate.

Save 15% Code: CCS15
Right To Bear
4.5
Less Than $140 per year when you use our Code: CCS15

Right To Bear legal defense protection 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 legal coverage at an affordable price... Right To Bear is for you.

SAVE 15% with Code: CCS15

Pros:
  • Low cost
  • Save Extra 15% with our code
  • Comparable coverage to other companies
Cons:
  • Civil Damages not covered
  • Not as much training or education as USCCA
View Current Deals Our Review
We may earn a commission if you make a purchase, at no additional cost to you.

Save 15% at Right To Bear with code: CCS15

Both options present viable paths to ensuring peace of mind and financial protection in the event of a self-defense incident. Remember, choosing the right concealed carry insurance is a personal decision that should align with your specific needs, budget, and legal requirements.

Read Ultimate Guide To Concealed Carry

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