We compared the Price, Coverage, and Perks of the major concealed carry insurance companies. We looked at US Law Shield, ACLDN, CCW Safe, and Second Call Defense. We also looked into memberships to USCCA as well as the NRA Carry Guard. Find out the results and what we chose to do.
We highly recommend a USCCA membership. USCCA offers a unique package of high quality training, education, and industry discounts. Each membership also includes Self-Defense Liability Insurance* (Click Here to Learn More).
We use USCCA as it provides for all of our concealed carry needs. With memberships as low as $25 a month when paid annually, USCCA is a great value for all gun owners!
Here are a list of just some of the benefits that come with USCCA membership:
- Concealed Carry Magazine subscription
- Self-defense guides and checklists
- Connection to certified firearms instructors
- Expert-led, scenario-based training videos
- Spouse membership discounts
- Exclusive discounts on USCCA products
- Up to 30% savings from industry partners
- Reliable, around-the-clock service
If you want to learn more about our thoughts on USCCA, visit our complete review: USCCA Review!
NRA Carry Guard
Although popular in the past, as of July 2019 NRA Carry Guard is no longer in business.
Best Concealed Carry Insurance Companies
Here are the best concealed carry insurance companies currently offering legal protection in the United States.
- 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 decent amount 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 cases. If they only cover $50,000 in civil and $200,000 in criminal you should have some warning bells go off.
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 an insurance company who has a lot of educational materials. That means that they want you to be ready in the off chance that you do need to go to court that it can be a quick and cheap as possible.
Education is a win-win scenario for a company that actually intends to payout on an insurance claim. If a company offers no education then they might not intend on paying out that often.
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 Program||Set Up Fee||Base Plan Monthly Cost||Yearly Cost|
|U.S. Law Shield||$20||$11||$131|
|Second Call Defense||FREE||$15||$179|
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, if you are on a budget, U.S. Law Shield does have the lowest prices and they do offer good coverage as you will see below.
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.
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
|Category||U.S. Law Shield||ACLDN||CCW Safe||Second Call Defense|
|Criminal Defense||No Limit||No Limit||No Limit||$50,000|
|Civil Defense||No Limit||No Limit||No Limit||$500,000|
|Personal Hardship||No Coverage||No Coverage||No Coverage||$2,000 in Clean Up Fees|
|Psych Support||No Coverage||No Coverage||No Coverage||40 Sessions|
|Comp While In Court||No Coverage||No Coverage||No Coverage||$500 Daily|
|Civil Damages||No Coverage||No Coverage||$1,000,000||$50,000|
|Civil Defense Per Dollar||Full Coverage||Full Coverage||Full Coverage||$2793.30|
|Criminal Defense Per Dollar||Full Coverage||Full Coverage||Full Coverage||$279.33|
The last two boxes on this table are the ones I want you to focus on. That is the coverage you get divided by how much you are paying.
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!
US Law Shield
To start, US Law Shield is a great company, but their website seemed a little unclear. I wanted some specific quotes on how much coverage they offer in an actual dollar amount. To get some answers, I had to get in contact with their customer support and they told me this:
“We do not have any limits on our civil, criminal, and appeals legal representation for legal use of force situations. There is not a minimum or maximum amount of attorney representation offered.”
There you have it. US Law Shield has no specific limit to the coverage that they offer!
That is a great comfort to have when you are in a scary financial situation. Court cases can cost a lot more than people realize. Most of the time you won’t really need any more than the insurance companies that do have limits, but in the off chance that you do it’s nice to have that limitless money bucket to dip into.
US Law Shield also offers a lot of other perks with local gun shops and training facilities. They have a huge list of facilities/shops, but they are too few and far between to really matter, and each one is different.
US Law shield is pretty good, but they don’t really have all the bells and whistles that USCCA offers…and that’s ok. This is perfect for those who want good solid coverage!
If you are not interested in the USCCA membership, I highly recommend this one. U.S. Law Shield (also known as Texas Law Shield) is a great organization. They offer decent training and great coverage.
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
- Expert Witnesses (additional add-on)
- Bail funds (additional add-on)
Head over to U.S. Law Shield to learn more:
This is a little different from the standard insurance, but is a decent option if you are just looking to get taken care of.
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:
CCW safe is an interesting company. They have some really great coverage for decent prices. They have great discounts for ex-military or ex-police force. They also require you to have a CCW permit to join their program.
The value that really comes with CCW safe is the fact that it also includes spouse and children in the plan if the weapon was used legally. Not many plans have that additional coverage for free, so that is a win.
The issue that I find with this company is that they do not cover you if you are defending yourself against someone that you initially invited into your home. For example, if you have somebody meets you for a deal off Craigslist in your home, and then you have the need to defend yourself, you are not covered in this plan. That seems like a massive gap in coverage.
They do have some training and other newsletter-based stuff that is pretty helpful, but nowhere near what I have seen with other options. If you are looking to save some money and cover the whole family, this is a good option.
If you look at the website for CCW safe, you will notice that they have some very specific claims to fame. For example, if you look at the comparison section of their website, they have some very biased information when comparing their product to others. They only choose companies that they know they can beat in every category and have really specific categories that are mostly outside the important questions that you should be asking about in terms of coverage.
They are a good service, but they seem to have a few ways of getting around paying out the money.
Head over to CCW Safe to learn more:
Second Call Defense
Second call defense is a very affordable form of concealed carry insurance that has some good numbers associated with it.
They offer several plans, but in reality, their entry level plan is a complete joke. It does not cover you besides softening the initial financial blow, and then leaves you to drown in court expenses. I am pretty disappointed that second call even sells something like this, so we are going to talk about their full coverage plan.
For just 15 bucks a month you can have some amazing coverage, and adding a spouse is only an extra 5 dollars. They offer $500,000 in civil suite protection and 50,000 in criminal defense protection.
There are also a variety of extra cash handouts that are needed such as cash for a bond, immediate attorney retainer, aftermath cleanup, and even compensation when you are in court. Those payouts are the small expenses that add up on a family if they are not covered under the insurance.
They offer plenty of other features to their plans that are helpful to a person that has recently gone through a deadly defense situation.
Here are some examples pulled from their website:
Rapid Response Team
- 24/7 Emergency Legal Hotline
- Personal Crisis Manager
- Nationwide Attorney Network Access
- Local Attorney Referral within 24 hours
- Emergency Contact Notification
- Expert Witness Coordination
- Gun Retrieval or Replacement
- Psychological Support – 20 sessions
- On-Site Assistance
Training & Education
- Member Newsletter
- Self Defense News
- Online Training
Each of these things help in the event of a defense case, some help right away and some help if you use them beforehand.
Long story short, this is a great company for insurance in terms of cost. In my opinion, you are selling yourself short if you do not have education materials accompanying your insurance.
Insurance companies know that if you are well educated with how to handle yourself and the police, they will have a lower chance of paying a lot of money out. If the coverage is bad, they don’t worry about this stuff because they really don’t have any skin in the game. Educational materials help everybody involved.
Head over to Second Call Defense to learn more:
However, if you want a traditional concealed carry insurance company, we also love US Law Shield! They offer coverage at a great price and have a great reputation in the concealed carry community.
The important thing to remember is that education is important, and choosing a company that knows that, and provides the information you need is vital. And lets face it, statistically you won’t ever need to use your coverage, so you might as well get some tangible value from your membership!
Whatever you decide to do for your concealed carry needs, remember, Carry Safe, Carry Smart, and Carry Daily!