Best Concealed Carry Insurance [2020]: Written by a Lawyer!

If you carry a firearm for self defense, whether the gun is concealed on your person because you have a concealed carry permit (CCW) or it is stored in your vehicle, you clearly understand the possibility of using a firearm to defend your life, the life of a loved one, or the life of a victim of a violent crime.

But did you know that successfully using your concealed carry gun to defend a life might be just the start of your fight?

That’s right. After your use of lethal force (even if you never fired your weapon) you might have an expensive, and time consuming, legal battle ahead of you.

This is why CCW insurance has become a popular option for many people who carry a firearm for self defense. Choosing the right CCW insurance option can help cover the costs of a criminal or civil trial.

But be careful! Not all concealed carry insurance options are equal and some are lacking in a few crucial areas. Also, none of these are actually “insurance,” they are pre-paid legal coverage.

In this CCW insurance comparison you’ll learn:

Before we begin, I want to let you know that some of the links below are affiliate links that can help us keep our ammo budget going but they will NOT affect your price nor do they affect our advice.

BEST CONCEALED CARRY INSURANCE FROM BEST TO WORST

Here’s a quick summary and ranking of concealed carry protection options with a more detailed review of each below.

#1
USCCA CCW Insurance
USCCA
  • Editor’s Choice
  • Most Features and Resources
  • Capped Coverage
  • Highest Daily Rate
#2
CCW Safe
  • Most Legal Coverage
  • Limited Features and Resources
  • Low Daily Rate
#3
second call defense ccw insurance
Second Call Defense
  • Inexpensive
  • Lowest Defense Coverage
  • Second Highest Daily Rate
#4
Armed Citizens Defense League Network
  • Unlimited Coverage (Up to Network Amount)
  • Low Cost
  • No Daily Rate
#5
us law Shield cow
US Law Shield
  • Low Cost
  • Unlimited Coverage
  • Can’t Pick Own Attorney

REVIEWS OF THE BEST CONCEALED CARRY INSURANCE

#1 USCCA : Best Overall

uscca-ccw-insurance

United States Concealed Carry Association

Our #1 recommendation for legal coverage. Budget friendly and premium options available.

Cost

A-

Features

A+

Coverage

B+

Value

A+

FINAL GRADE : A

USCCA REVIEW

The United States Concealed Carry Association (USCCA) comes in at the highest monthly cost, however, members get an amazing amount of features and benefits including a great online training library and checklist, guides, and even a monthly magazine.

For an example of the resources and training they offer, we recommend their online CCW course for Tennessee residents.

As you can read below, we recommend that you look for three crucial parts of concealed carry legal coverage: choice of attorney, payment vs reimbursement, and per diem rates. USCCA satisfies all three must-have features better than any other option (although others match in some areas, USCCA has the highest per diem rate).

USCCA SPECS

Monthly Cost

$22-47

Criminal Defense Max

$250k

Civil Defense Max

$2 Million

Pick Own Attorney?

Yes

Money Up Front?

Yes

Per Diem

$750

Also, USCCA has a TON of extra resources and features that are important to many ccw holders. However, their legal defense coverage amount is capped.

If you’re looking for our recommendation on the best all-around concealed carry insurance, we think that USCCA is it. However, if the extra features and the highest per diem amount don’t matter much to you then you can save some money on some other options.

USCCA PROS AND CONS

  • Most Features
  • Great Training
  • Highest Daily Per Diem
  • Can Choose Own Lawyer
  • Highest Cost
  • Capped Coverage

#2 CCW Safe: Best Basic Coverage

ccw-safe-insurance

CCW SAFE

No frills no limit legal defense coverage. A solid choice, but at a higher cost than other “unlimited” coverage options.

Cost

A-

Features

B-

Coverage

A-

Value

B

FINAL GRADE : A-

CCW SAFE REVIEW

CCW Safe is a good option for CCW insurance and we struggled a bit choosing USCCA over CCW Safe but the overall value of USCCA won out.

Although CCW Safe lacks the resources and high per diem amount that we like with USCCA, CCW Safe boasts unlimited legal defense coverage and they have a strong leadership team. You wouldn’t go wrong if you went with this choice.

A couple of things that give us reservations are that they have the lowest of the available per diem rates (some options offer none) and although they now let you pick your own attorney (this was a recent change), they must still approve the attorney.

CCW SAFE SPECS

Monthly Cost

$16-42

Criminal Defense Max

Unlimited

Civil Defense Max

Unlimited

Pick Own Attorney?

Yes

Money Up Front?

Yes

Per Diem

$250

This might sound like it’s not really your choice, however, it is reasonable for CCW Safe to do this because they have an interest in not wasting money on an attorney that you chose that may not be effective.

For example, although I’m an attorney, I would hope that CCW Safe wouldn’t want you to pick me in a self defense criminal trial.

CCW SAFE PROS AND CONS

  • Unlimited Defense Budgets
  • Can Choose Own Lawyer
  • Higher-end of Cost
  • No Extra Features
  • Attorney Must Be Approved
second-call-defense-ccw-insurance

SECOND CALL DEFENSE

A budget friendly option that meets all of our criteria for a CCW insurance company.

Cost

A

Features

B-

Coverage

B

Value

B-

FINAL GRADE : B

SECOND CALL DEFENSE REVIEW

Second Call Defense’s lowest tier option is the least expensive among the group of concealed carry insurance providers but it only comes with $10,000 of criminal defense protection and no civil defense protection. The low cost might be enticing, but if you choose Second Call Defense, you really should be looking at their higher tiers. However, note that their limits are the lowest amongst the group.

Despite their lower coverage amounts, Second Call Defense is the only other CCW insurance company to meet all three of our must-have cow insurance guidelines. You can pick your own attorney, you get money up front and you get a per diem during trial.

SECOND CALL DEFENSE SPECS

Monthly Cost

$10-35

Criminal Defense Max

$100,000

Civil Defense Max

$1,250,000

Pick Own Attorney?

Yes

Money Up Front?

Yes

Per Diem

$500

Although Second Call Defense appears to meet the requirements in a more budget friendly package, you get more features and value with the lower tier options of USCCA. We still have no problems recommending Second Call Defense because they are a great company and we’ve heard nothing but high praise of their service.

SECOND CALL DEFENSE PROS AND CONS

  • Unlimited Coverage
  • Inexpensive
  • High Customer Satisfaction
  • No Per Diem Rate
  • Less Value on Lower End
acdln-ccw-insurance

ACDLN

High coverage at a budget rate. Although no per diem, this is a decent option for CCW coverage as long as their fund stays full.

Cost

A

Features

B-

Coverage

B

Value

B-

FINAL GRADE : B

ACDLN REVIEW

The Armed Citizen Legal Defense Network offers low monthly rates, unlimited coverage, and you can pick your own attorney. On those stats alone, even without a per diem payment, they are a viable option for concealed carry insurance. However, there are nowhere near the benefits and resources of an organization as robust as USCCA.

Also, there’s a bit of fine print to their unlimited coverage: they only cover up to half of their defense fund. Currently, the defense fund is large enough that they can cover more than any other fixed amount, but that may not always be the case.

ACDLN SPECS

Monthly Cost

$12

Criminal Defense Max

Unlimited

Civil Defense Max

Unlimited

Pick Own Attorney?

Yes

Money Up Front?

Yes

Per Diem

None

ACDLN PROS AND CONS

  • Unlimited Coverage
  • Low Cost
  • Coverage Still Limited to Defense Fund
  • No Per Diem Rate
us-law-shield-ccw-insurance

US LAW SHIELD

Although US Law Shield comes in at a low cost, the inability to pick your own attorney is a deal-breaker for us.

Cost

A+

Features

C

Coverage

C

Value

B+

FINAL GRADE : C+

US LAW SHIELD REVIEW

At first, there’s a lot to like about U.S. Law Shield. They have one of the lowest monthly rates AND they offer unlimited coverage amounts.

However, no free choice on your own attorney and no per diem bumps them out of the running for our recommended concealed carry insurance.

Unfortunately, this is a deal breaker for us. Paying a bad attorney a lot of money won’t help.

Despite the lack of those features, we have heard positive feedback from people who have used U.S. Law Shield, so they may be right for you.

US LAW SHIELD SPECS

Monthly Cost

$11

Criminal Defense Max

Unlimited

Civil Defense Max

Unlimited

Pick Own Attorney?

No

Money Up Front?

Yes

Per Diem

None

US LAW SHIELD PROS AND CONS

  • Low Cost
  • Unlimited Coverage
  • No Per Diem
  • No Choice of Attorney

BEST CONCEALED CARRY INSURANCE BUYER’S GUIDE

CONCEALED CARRY INSURANCE COSTS AND COMPARISONS

There are MANY variables to consider when picking the right concealed carry insurance for yourself. You absolutely must determine which features are best for you.

To put things in a closer perspective, here are the crucial features of the groups we recommend above side-by-side.

USCCASecond Call DefenseCCW SafeU.S. Law ShieldACLDN
Monthly Cost$22-47$10-35$16-42$11$12
Criminal Defense Max$250,000$100,000UnlimitedUnlimitedUnlimited
Civil Defense Max$2,000,000$1,250,000UnlimitedUnlimitedUnlimited
Pick Own Attorney?YesYesYesNoYes
Money Up Front?YesYesYesYesYes
Per Diem Max$750$500$250n/an/a
WHAT IS CONCEALED CARRY INSURANCE AND IS IT FOR ME?

CCW insurance is financial protection against the costs of possible criminal prosecution or civil lawsuits if the person you shot in self defense or their family members sue you.

Before you can decide how valuable CCCW insurance may be for you, we should first explore the potential costs of using a firearm to protect yourself.

The two main financial risks after using your firearm in self defense are the costs of defending yourself in a criminal trial if you are prosecuted and/or in a civil trial if you are sued by someone.

Even though you used your CCW firearm in self defense that you believe was justified, you still may be prosecuted. Either the evidence doesn’t clearly exonerate you or you may be an example for an anti-gun prosecutor to make. Either way, you might need bail money to get out of jail and you’ll need to hire a criminal defense attorney which will likely require $20-30,000 up front and more money as your case continues. It is not unreasonable for a criminal defense case to cost a few hundred thousand dollars.

If there’s a civil case (someone sues you), which can happen with or without a criminal case, the financial cost can be even higher because you not only have attorney’s fees, you also run the risk of a potential judgment against you and you run the risk of having multiple lawsuits at once.

If this isn’t a grim enough picture, now think about what money you might need because you might lose your income while the trials are ongoing.

Depending on which CCW insurance option you choose to go with, these costs can all be covered for you. In addition, some plans will give you a per diem (personal money per day) to offset your lost income during trial and also give you access to resources like counseling and property repair.

So, is CCW insurance for you?

I can’t answer that question for you any more than I can answer whether health insurance is right for you. CCW insurance is a smaller cost per month as protection against a possible insurmountable cost later.

I don’t know your monthly budget, your risk tolerance, nor whether you have a half million dollars in a bank account just waiting for you in case you have to use your firearm to defend yourself.

As you make this decision for yourself, I encourage you to ask yourself these questions:

  • What do you think the likelihood is for using your firearm in self defense?
  • Do you have the financial reserves ready in case you have to defend yourself?
  • If you have a family, how will a financial hit of this size affect them?

For me, the decision came down to this: Am I someone that prepares for scenarios or just hopes that they don’t happen?

If you are someone who has a CCW and carries a firearm, I think we might belong in the same group.

THE THREE CRUCIAL THINGS THAT CCW INSURANCE SHOULD HAVE

Just getting “CCW Insurance” is NOT enough.

If you really want to protect yourself against legal and financial risks, you need to ensure that your cow insurance has these there things:

  1. The ability to pick your own attorney
  2. Money up front
  3. Per diem during trial

Picking Your Own Attorney

Let me break it down real simple: you don’t want me as your criminal defense attorney.

I am an attorney. I am even an attorney that specializes in firearms law. However, my last exposure to the topic of criminal law was in a law school classroom. Trust me, neither of us would want me as your attorney in a criminal defense case.

Some CCW insurance providers will only provide you protection if you use an attorney they pick. Please avoid this. I suggest you get an attorney that you have confidence in, that is the best you could find, and that you never have to wonder if they are doing what is best for you vs what is the cheapest for the insurance company.

Get the Money Up Front

If your CCW insurance provider guarantees coverage up to a certain amount but only reimburses you after the fact, it’s better than nothing but it doesn’t help you avoid the heartache and cost burden of the process.

For example, if you have to sell your home and everything you own to pay for trials, getting reimbursed is better than nothing, but wouldn’t it have been better to not have to raise hundreds of thousands of dollars on your own? Of course it would have.

Get Paid a Per Diem During Trial

In addition to the legal fees, you also have the risk of lost income you may experience if you lose your job during months of trial.

Getting your legal fees covered is great, but that doesn’t help pay your mortgage or help you support your family during a trial. If you can afford it, please consider a CCW insurance option that gives you a daily per diem (allowance every day) during a trial.

CONCEALED CARRY INSURANCE FAQ

Q: What does “CCW” stand for?
A: CCW stands for “Carry a Concealed Weapon”

Q: Is Concealed Carry insurance required by law?
A: No, CCW insurance is not required by law – it is optional coverage for those who carry a concealed firearm.

Q: Isn’t CCW insurance really just “murder insurance?”
A: No! CCW insurance is not “murder insurance.” Instead, CCW insurance is protection ONLY for lawful self defense.

Q: How Much Does Concealed Carry Insurance cost?
A: Concealed Carry Insurance costs anywhere from $11 to $47 per month.

Q: How much does it cost to defend yourself after a shooting?
A: After a shooting, even in self defense, it can easily cost $500,000.

Q: What is the best concealed carry insurance?
A: We think USCCA is the best concealed carry insurance.

Q; How do I get a concealed carry permit (CCW)?

A: We cover the CCW process here: How to Get a CCW Guide

Q: What gun should I get for concealed carry?

A: Our Concealed Carry Guide covers some of our recommended guns for CCW.

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    1 Comment

    • J
      Posted April 10, 2020 9:38 pm

      Other deciding factors as to why I picked the USCCA is other companies exclusions. For example, in the membership agreement forms a lot of the other companies state they will not pay for expert witness, private investigators, ballistic experts. Other plans will also exclude legal representation against a member or covered person’s current or former family member, household or dating relationships.

      Those are just some of the many reasons why I went with the USCCA as well as what is written above.

      Thanks for confirming my pick!

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