Right to Bear vs USCCA [2025]: Which CCW Insurance is Best?

Right to Bear and USCCA have already been compared in our Best Concealed Carry Insurance Ranking but some readers have asked for a head-to-head comparison of them.

In this Right to Bear vs USCCA comparison, we’re going to compare the coverage and features of these two concealed carry insurance providers to help you decide which one might be right for you.

Right to Bear vs USCCA: Which is the Best?

Which concealed carry insurance should you get, Right to Bear or USCCA?

Unfortunately, I can’t make that decision for you because I don’t know your budget, risk tolerance, or even what you’re looking for. For example, some people are most interested in the highest dollar amount of legal fee coverage for the least cost (Right to Bear) while others are looking for the most features and want extras like online training and don’t mind paying more for it (USCCA).

However, as we hope to show in this ccw insurance comparison, if you’re trying to make a choice between these two companies, then USCCA offers more coverage areas and more extras, however, Right to Bear is less expensive and still provides a higher amount of protection (unlimited) for your legal defense.

When I started my research of concealed carry insurance companies for our ultimate CCW insurance guide where we rank each company, I was not a customer of any company yet and I wasn’t convinced that I even needed such coverage.

However, the more I looked into them and the more I realized how vulnerable I could be if I have to use my firearm in self-defense, I signed up for myself and my family before the article was published.

I, like many others, thought that I wouldn’t ever use my firearm unless it was justified self-defense. However, as ashamed as I should be as an attorney, I didn’t realize how many times someone used a firearm (even if they didn’t fire it as in the McClosky case) that seemed justifiable to me but they were still charged with a crime or sued by others and they were stuck with major legal defense costs (easily in the hundreds of thousands of dollars).

Second, even when I realized I wanted to sign up with a company, it is REALLY hard to compare these companies because their offerings are so unique. This is where I hope to help you make your decision.

As a note, none of these companies actually offer “insurance” – instead, they offer self-defense legal protection coverage.

In this comparison, we’ll explore the coverage options and pros and cons of USCCA and Right to Bear to help you see which is right for you.

USCCA: Our Take

The USCCA is the big dog in the self-defense legal protection space.  They claim the largest number of members, they have the biggest organization, and a ton of training resources.

And, although they are the most expensive option available, members get a lot of training resources and support for the money. But, with their recent changes with their pricing and their plan/coverage, they are not the best value for legal protection.

In fact, they’ve unfortunately dropped down our list of Best CCW Insurance because their coverage amount is capped and they are the most expensive option while other companies (like Right to Bear) have truly unlimited coverage amounts and they are MUCH less expensive (almost 1/4th the monthly cost of USCCA).

Good things about USSCA: Tons of training and resources and they have the highest daily “per diem” amount (more on that below) and highest bail bond coverage.

Things we’d change if we could: The total defense coverage dollar amounts aren’t really “unlimited” (they cap the total they’ll pay for everything at $2 million dollars combined), they reserve the right in their terms and conditions to make you pay back everything if you get a guilty verdict (where other companies offer support for an appeal), and a few other issues we found in their new policy.

Check out how they compare to Right to Bear in our full breakdown below.

USCCA Pros and Cons

Right to Bear: Our Take

When it comes to “Concealed Carry Insurance” we believe that there are three major things that ccw insurance must have: the ability to pick your own attorney, money up front (not just reimbursement), and unlimited legal defense costs.

Right to Bear hits all three! (USCCA does not since it caps the total they’ll pay per incident at $2 million).

Right to Bear offers actual unlimited criminal and civil legal cost coverage, they pay up front, and you can choose your own attorney!

Sure, USCCA offers more extras like a daily per diem payment while you’re in court, however, if I had to choose between a few hundred dollars per day while in court or truly unlimited legal defense coverage, I’m choosing the latter (especially since Right to Bear starts at $11 and USCCA starts at $39).

Right to Bear Pros and Cons

USCCA vs Right to Bear: Pricing

For a single-member basic plan, Right to Bear is much less expensive than USCCA.

However, the Right to Bear plan is missing some features that they charge extra for if you’d like to add them on.

For example, it’s an additional $4 a month if you’d like to add bail bond funding.

Even with these extra fees, Right to Bear is still less expensive than USCCA’s lowest-tier plan – especially after USCCA just raised their monthly price from $29 to $39 this year.

Winner: Right to Bear

However, looking only at the cost of these concealed carry insurance plans without taking into consideration exactly what you get for the money isn’t enough to make a decision. So, let’s explore more.

USCCA vs Right to Bear: Defense Coverage

This one seems straightforward, but it may not be obvious by looking at USCCA’s information: Right to Bear includes UNLIMITED legal defense coverage, for both criminal and civil cases, whereas USCCA caps the total amount they’ll pay for any incident at $2 million dollars.

This means that if a criminal case ended up costing $1.5 million, then there’d only be $500k left for coverage for any civil cases.

A positive for USCCA defense coverage, however, is that they’ll cover any damages that someone might with from suing you in a civil suit – however, it comes out of the $2 million cap. Right to Bear doesn’t cover damages from civil suits, but they do provide unlimited coverage for trials.

As you can see, Right to Bear does not limit your legal defense coverage dollar amount while USCCA does.

Sticking purely to the dollar amount of defense coverage available, Right to Bear wins.

Winner: Right to Bear

USCCA vs Right to Bear: Features

If you’re keeping score so far, Right to Bear has won on both membership cost and dollar amount of legal defense coverage.

However, USCCA starts to catch up when we look at other coverages and features.

As we mentioned above, I think that there are three “must-have” features when it comes to picking CCW Insurance. Unfortunately for USCCA, even though they offer more features than Right To Bear, they miss one of my “must-haves”… unlimited legal defense.

Technically, this should disqualify them from my recommendation but you’re here to see Right to Bear compared to USCCA so we’ll continue.

My “Big 3” requirements are:

1. Ability to choose your own attorney,
2. Money upfront, and
3. Unlimited legal defense coverage

For a deeper discussion of these elements, feel free to check out 3 CCW Insurance Must-Haves. We’ll compare these main 3 and also some more features of USCCA vs Right to Bear here.

Picking your own attorney: This is really important to me and it is one topic of self defense liability protection that I seem to get push-back on from people who don’t understand why this matters so much.

I am an attorney and although the attorney they choose is almost surely more competent to defend you in a criminal trial than I am, I want to be able to choose an attorney that I like and trust (and one that I can fire if I don’t think they are representing me well).

I’m also suspicious of who the attorney is most interested in keeping happy – me or the company that keeps using and paying them. What happens, for example, if something needs to be done in the case that will be better for me and keep me out of prison but it costs more money than the company wants to pay? I want the attorney looking out for my best interests and my interests only.

Money up front: Both providers give you the money you need upfront – this is important. Trials can easily get into a couple hundred thousand dollars, just to start, and if you have that kind of money available to be used for your defense, maybe concealed carry insurance isn’t right for you.

Unlimited Legal Defense: There’s no telling how expensive a criminal trial will be nor how many civil trials you may have to defend against. For me, the whole point of getting this kind of legal protection is to cover my legal expenses because they might be enough to bankrupt me – the last thing I want is worrying about a dollar limit when I’m trying to help make decisions about how to keep myself out of jail.

USCCA caps how much they’ll pay to cover you while Right to Bear does not.

Bail: The USCCA’s highest plan offers up to $700k in bail bond coverage (the highest of any company) whereas Right to Bear offers bail coverage only for an extra $4. Bail coverage is important unless you don’t mind sitting in jail until your trial is over.

Although USCCA offers more areas of coverage, with them not having one of my three “must haves,” I can’t say they win here.

Winner: Right to Bear

USCCA vs Right to Bear: Extra Resources

This is the hardest area to compare because both the USCCA and Right to Bear offer many additional resources from online training, seminars, and publications.

I think it is fair to say that the extra resources offered by both companies are a good compliment to your membership. However, USCCA clearly has many more resources.

In fact, if you’re looking for these extra resources, USCCA is your choice.

Winner: USCCA

USCCA vs Right to bear Comparison Conclusion

If you kept score so far, Right to Bear won three categories of comparison while USCCA only won one.

However, the arbitrary categories/score alone doesn’t quite paint an accurate picture of these two companies.

Again, I can’t tell you whether you should get concealed carry insurance nor which company would be right for your particular situation. However, if you could afford either and you asked me to choose between the USCCA and Right to Bear, I would tell you to go with the Right to Bear… hands down.

But why?

Easy – Right to Bear offers truly unlimited legal coverage for a fraction of the cost of USCCA.

However, if you’re looking for the most extra resources like online training videos and gear and you don’t mind having your coverage limited or paying the highest fee, then USCCA is for you.