USCCA Review 1

USCCA Review (2020)

*Updated 10/16/2020

In today's world, concealed carry insurance is a must! I knew I needed coverage, so I began the research to find the best.

In this review of USCCA I will cover the Price, Coverage, and Perks of a USCCA membership, and why I chose them for myself.

Choosing The Right Concealed Carry Coverage

USCCA Insurance Package

With so many choices of coverage it can be hard to decide which one to choose. This article began when I started looking into insurance for myself.

I decided that if I wasn’t going to drive my car without insurance, then I shouldn’t own a firearm without insurance as well.

My search started by comparing all the top insurance companies. I wanted high marks in three important categories for my insurance. Price, Coverage, and Membership Perks.

It wasn't until after my long, research filled journey, that I decided on USCCA. This is not to say the other companies are not worth using, there are a few other great companies out there.

So why did I choose USCCA (United States Concealed Carry Association) for my self-defense liability insurance? Good on to find out.

Why You Need Concealed Carry Insurance

The Concealed Carry Traffic Stop

When a firearm is used for self-protection, it is often the beginning of a long, stressful, and uncertain criminal case. Although it may seem obvious to you what happened, the police must investigate the incident, and will treat the scene as a crime scene.

Many times, the victim of the crime is arrested and booked, even though they acted legally.

If you are not arrested, or even if you win your criminal case, you are also subject to a civil complaint. This is where the person you were protecting yourself against could sue, or their family could sue for wrongful death.

It's Not Only For Shootings

Many people think concealed carry insurance is only for when you have to fire your gun. This is not the case. There are MANY instances where you are protected from legal trouble with your insurance coverage.

As shown in Bill and Kerri Ann's stories in the videos below, you are protected from instances where you are just carrying your firearm as well. 

These types of cases are probably more common than cases where a shooting occurs.

This is why getting the right insurance is so important. I recommend to all my friends who own firearms to get some sort of coverage...and I always recommend USCCA in large part because of the insurance coverage.

True Stories of Having The Right Coverage

Below are two real life stories of how good coverage worked for these USCCA members. In both cases, neither person even fired their weapon. However, they were still protected during their legal troubles. This is why the right coverage matters...

USCCA Review

uscca new logo
While USCCA membership is not the cheapest on the market, it does offer the best value for your dollar. 
USCCA is a complete package that offers 100% up-front coverage that is superior to its competitors. 
USCCA membership perks are unrivaled. You get much more than just the concealed carry insurance. 


USCCA stood above its competitors in all three categories. With USCCA you have total peace of mind.

While the one negative I did find (too many emails) may be annoying to some, it has an easy fix. However, ignoring all of the emails may be a bad decision as USCCA has recently began sending out very helpful emails as well.

I don't only recommend USCCA, I am also a member myself. It was only after I had been a member that I decided to write this review.

  • Coverage: Attorneys in all 50 states, 100% upfront coverage, Expert Witness Coordination
  • 24/7/365 Access To The USCCA Critical Response Team
  • Membership Perks: Magazine, Members-Only Video Library/Article Vault, Training Programs
  • Email Advertising: You will receive many informational and sales emails!
Packages as low as $25 (per month)

Why We Choose USCCA

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As you can see, I have the Elite Level membership plan from USCCA.  Not only does it provide great coverage, you end up saving the most money when you pay yearly for this plan…you save a whopping $84 per year!

Each USCCA membership plan offers a monthly option and a yearly option. However, the yearly option offers the most savings.

I found many features of USCCA membership that I liked. However, what stood out was the amount of coverage you get for your money, as well as all the perks that come with your membership. These two things put USCCA over all other concealed carry insurance companies.

Emails. They send so many emails following enrollment. Now don't get me wrong, there is some great value (training, special offers, etc.) in many of their emails. However, there are a LOT of them. For many this may be a turn off, but with today's email features this can be easily fixed.

In the end of my USCCA review, I found that they provide the best value for your money, while also giving the coverage/support you need.


The United States Concealed Carry Association was founded in 2011 by Tim Schmidt, founder of Delta Defense, a magazine that emphasized education and responsible gun ownership.


"You are going to have one of the best pre-screened Pro-Second Amendment criminal and civil defense attorneys"

Tim SchmidtPresident and Founder of USCCA

Tim began this concealed carry insurance company because of all the awful stories he came across in his publishing career about individuals going to prison for shooting intruders in self-defense.

He was disgusted that our criminal justice system did not recognize the danger a stranger entering your house poses and the necessity to protect yourself and your family.

He also learned that many home insurance companies did not want to get involved with situations where a firearm was used inside the home. Tim wanted to create not only an insurance company, but a place for education and training as well.

How Does USCCA Insurance Work?

For those that do not know about concealed carry legal coverage, or are not familiar with USCCA memberships, we are going to provide a simple procedure that you should follow in case a situation arises including a firearm, knife, or even fists.

1. Call 911

First thing you need to do is call 911 and report the event to the police. You need to use key words when reporting the incident including that you were attacked (you were not the aggressor), you feared for your life or your family members life and felt like the only reasonable reaction was to defend yourself.

2. Call USCCA
Your next step is to call your Critical Defense Team with USCCA. The case manager that answers the phone is trained in high stress situations in which the individual that just had to defend themselves might still be in a state of shock, discomfort, or fear. Your case manager will remain on the line with you and assist in calming you down, delivering care and compassion and will help you with the next steps you need to take.
3. Follow Directions Given By USCCA

When the police arrive, you will already have been prepped by your case manager on what to say and what NOT to say. Your case manager will give you instructions and prepare your bond in the event you end up being arrested after speaking with the police. This does not always mean that the police don’t believe your account of the events, many times this is just routine procedure.

Do not talk to the police until your attorney arrives. USCCA will provide you with a knowledgeable and experienced 2nd Amendment attorney immediately.

You will also have consistent access to your case manager and case management team. You will also be provided with legal fee support for both criminal and civil liability. USCCA’s goal is to provide you with as much piece of mind as possible while experiencing an unanticipated stressful situation.

USCCA Membership Package Prices

Below I will review the levels of membership that USCCA offers. Each one steps up the coverage you receive, as well as adds a few perks. The Platinum package tends to be the most popular, while the Elite package (when paid yearly) offers the best deal.

Gold Membership: $29/month or $299/year

Platinum Membership: $39/month or $399/year

Elite Membership: $49/month or $499/year

All three levels of membership are great deals, however you save the most when you pay yearly.

As you can see below, each step up greatly increases your well as adds some extra benefits.

Gold Membership Legal Protection Benefits
  • Top of the line legal protection
  • 24/7/365 Critical Response Team
  • Your choice of attorney or access to USCCA Attorney Network
  • Protection for use of all legal weapons of opportunity, including up-front funding for criminal defense and bail bonds
  • 2 Training Video Programs
  • Level 1 Training and Qualification Program
  •  FREE entry to the Concealed Carry Expo

Platinum Membership Legal Protection Benefits
  • Top of the line legal protection
  • 24/7/365 Critical Response Team
  • Your choice of attorney or access to USCCA Attorney Network
  • Protection for use of all legal weapons of opportunity, including up-front funding for criminal defense and bail bonds
  • 6 Training Video Programs PLUS a new program every month
  • Level 2 Training and Qualification Program
  • Ask an Attorney video series
  •  FREE entry to the Concealed Carry Expo
  • Annual Concealed Carry Expo Advanced Show Entry

Elite Membership Legal Protection Benefits
  • Top of the line legal coverage
  • 24/7/365 Critical Response Team
  • Your choice of attorney or access to USCCA Attorney Network
  • Protection for use of all legal weapons of opportunity, including up-front funding for criminal defense and bail bonds
  • Access to USCCA entire vault of training materials PLUS a new program every month
  • Level 3 Training and Qualification Program
  • Ask an Attorney video series and complete archives
  • FREE entry to the Concealed Carry Expo
  • Annual Concealed Carry Expo Advanced Show Entry
  • Annual Concealed Carry Expo VIP Experience

Membership Perks

Included in ALL Memberships:

  • Complete Subscription To Concealed Carry Magazine Included
  • Members-Only Deals And Discounts
  • Annual Expo (training classes, firearm exhibits, and assessor manufacturer’s products)
  • Training Programs (taught by qualified licensed trainers that go through rigorous training prior to teaching located all over the country)

One of the biggest surprises to me was the quality and length of the monthly Concealed Carry Magazine…this is a GREAT addition to the membership.

Concealed Carry Magazine

Extra selling points for me were:

  • 100% Up-Front Coverage (No Deductible. No Reimbursement.)
  • Covers Use Of All Legal Weapons
  • Firearm Theft Liability Coverage
  • Wage Compensation While In Court

  • Membership Highlights

    The following highlights stood out :

    • USCCA offers 100% legal fee coverage, where other companies only pay for legal fees if you are found not guilty. The overall reimbursement for total legal fees was lower, while USCCA appeared to have one of the highest compensation systems.
    • USCCA has attorneys available in all 50 states, where many companies only offer attorneys in the states they are incorporated in or have their principle place of business. Because laws vary from state to state, having access to attorneys in all 50 states allows for a greater amount of legal knowledge.
    • USCCA covers all legal weapons (knives, fists, firearms, etc.), however other companies only cover firearms.
    • If the altercation occurred in the home, the insured and the spouse can both be covered under the policy (small upgrade fee). Again, this is unique from the major policies currently available on the market.


    We Give USCCA 5 Stars!

    Armed with all the above information from my research (pun intended), I was happy to choose a USCCA membership for my concealed carry insurance. My USCCA membership helps give me peace of mind knowing that I will have the best legal team on my side to help out when needed.

    USCCA memberships are the most versatile as far as budget, has great coverage, offers tons of options for training and educational materials, and has a passionate founder committed to protecting gun owner’s rights. USCCA stood out in a crowded field as providing the most value to its customers.

    If you want to see it compared to its competitors, check out our article Best Concealed Carry Insurance Compared!

    USCCA's fees are affordable; at $34 a month for their Platinum plan, that is basically less than 2 boxes of hollow point ammo …and totally worth the peace of mind that comes with becoming a member of USCCA.

    *The USCCA is not an insurance company. A policy has been issued to the USCCA by Universal Fire and Casualty Insurance Company. That policy provides the association and its members with self-defense liability insurance, subject to its terms, conditions, limitations, and exclusions.

    If this review of USCCA was helpful, please use the buttons below to share with your friends!

    30 thoughts on “USCCA Review (2020)”

    1. could I possible get more in-depth info on this subject,excluding THE NRA(I have there info)…….thank you…..

    2. Good article, but I think you are mistaken about the Armed Citizens Legal Defense Network. You said they pay “up to $25,000 for a criminal attorney.” True, this money is paid right off the bat, but if you have a legitimate self defense claim, they will spend up to $750,000 to defend you.
      You also said that only USCCA pre-pays for legal defense fees (other companies wait for a “not guilty” verdict), and only USCCA covers weapons besides firearms. In fact, Armed Citizens Legal Defense Network pre-pays legal fees and covers self defense situations besides firearms.
      I hope you would check out the ACLDN website for more info. It’s truly the best value for your money.

      1. Thanks Trevor! I’ll do some investigating and update the article later this week or next with what I found.

      1. Hey Michael…if one of you has a membership you can call USCCA at 800-674-9779 (or visit your USCCA membership dashboard) and get the spouse the same coverage for a small fraction of the price of a full membership.

        1. Why cant anyone just come out and say how much extra it costs to include a spouse. Im not going to give them a penny until i know. It seems like its some kind of big secret. This makes me think its a scam

          1. You can contact USCCA at 800-674-9779 and ask them. I know the price starts around $77/year and goes up based on the plan you choose. But they could give you more exact numbers.

          2. Brian Smithfield

            I know this is an old post but this is the 3rd article/person promoting this company. As a career insuramce agent, you need to request the actual policy/contract and not go off someone promoting the insurance carrier. One thing is for sure, this company spend is alot on advertising. They are the top on every search and I would guess those revie6winf are paying zero for their coverage or could be paid a few to write an article. So most are biased reviews. Just look at the reviews and comments.
            I should do a full analysis of each contract. Maybe this is the best but you have to do your homework as they are all more expensive than i would have thought.

      2. Recently, Washington State denied USCCA , as well as all other carry insurance companies the ability to offer their services. I think that’s wrong, the State government calls it a free ride for murderers. I’m a law abiding gun owner, and now have no idea where to turn for coverage for a just in case. Please help me.

        1. I’d just move. I wouldn’t live in a state that won’t allow me to cover my ass in case I had to defend and protect myself and family. A red state would allow it because they want you to have your constitutional rights in tact.

    3. Your case manager will also instruct you to have a check prepared for your bail in the event you end up being arrested after speaking with the police . What if you don’t have the money for bailout?

      1. Thanks for the comment. I will correct it to be more clear and say “Your case manager will give you instructions and prepare your bond”. One of the benefits of USCCA membership coverage is it is 100% upfront coverage.

    4. I have a question, what if you are traveling in another state (where your permit is honored), are you covered as well?

    5. I would like to see a conceled weapons insurance that did away with all the e mails magazines training films stories and the blah blah blah. i want ins. that covers me from beginning to end and all points in between.Just insurance,

    6. I am a concealed carry instructor and I am looking for liability insurance. If I am understanding your membership correctly it would only cover me personally. Do you have instructors insurance?

    7. Great article! I appreciate the time and research you out into it.
      I’ve had a CC for 2 yrs. now and just haven’t got around to getting insurance yet.
      I am retiring this summer and won’t be as restricted as to CC (school teacher and can’t even have a gun in the car), so I feel the need to get something soon.

    8. Gregory Paul Kitz

      I live in the wussy State Washington and us to belong but was dropped. Has that been corrected where we can rejoin?

    9. Awesome article, very informative and a great point to start your own research… as I’m a new CCW I will need a lot of guidance but I feel really confident on how and where to go for my insurance

    10. I have been emailed that my coverage will expire next month because of the WA Law passed making it illegal. I want to know if you have filed a lawsuit and if not, why not.
      I am going to contact a lawyer to find out if I can sure the state, maybe a class action. I also need to file freedom of information on every action taken in this discrimination against legal gun owners against the state of WA.

    11. Based on my research, USCCA & CCW Safe are at the top of the list. In fact, CCW Safe has no limits on up front criminal and civil defense funds. No cap on attorney retainer fees. Plus there’s a dedicated 1 million dollar civil damage liability coverage that can be added on to the Ultimate plan which is $100 less than USCCA’s Elite plan. So in terms of coverage, CCW Safe has the better plan.

      1. That is why I chose CCW Safe.

        One of the BIGGEST DIFFERENCES between plans is DO THEY COVER COSTS & EXPENSES (C&E)? This is a HUGE amount of money that most people could not afford. — so DO read the Terms & Conditions before signing. Plans either Exclude C&E completely (meaning you pay all C&E out-of-pocket as you go along), or they may Include C&E in with attorney fees UP TO your max limit (which means you have less money for attorney fees), or they may Cover C&E apart from attorney fees which is the best of both worlds. Which you choose could make a HUGE difference in your immediate out-of-pocket expenses.

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