USCCA vs US Law Shield [2021]: Which CCW Insurance Do We Prefer?

by Ryan Cleckner

May 1, 2021

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USCCA and US Law Shield have already been ranked in our Concealed Carry Insurance Comparison but some people have asked for a direct comparison of both even though CCW Safe took the #1 spot.

In this USCCA vs US Law Shield 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.

For me and my family, however, I chose CCW Safe.

USCCA – CCW Insurance

  • Final Grade : B-
  • MSRP : $27-$44 /mo
Criminal Defense Max $250k
Civil Defense Max $2 Million
Pick Your Own Attorney? Yes
Money Upfront? Yes
Per Diem $750
Check Price

US Law Shield – CCW Insurance

  • Final Grade : C-
  • MSRP : $11 / mo
Criminal Defense Max Unlimited
Civil Defense Max Unlimited
Pick Your Own Attorney? No
Money Upfront? Yes
Per Diem None
Check Price

USCCA vs US Law Shield: Which is the Best?

Which concealed carry insurance should you get, USCCA or US Law Shield?

Well, that’s near impossible for me to answer for a few reasons:

First, I don’t know your risk tolerance, budget for such a product, and your financial situation to handle defending yourself against criminal and/or civil court cases. Although I hope to help you make a decision on which company you should go with, I can’t possibly make the decision about which company you should choose – heck, I can’t even tell you whether you should get this type of coverage at all.

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 and wasn’t convinced that I 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 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 then 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 US Law Shield to help you see which is right for you.

If you don’t want to read this whole deep-dive into USCCA and US Law Shield, then you should know that US Law Shield ranked last in our Best CCW Insurance comparison and USCCA, now that they have recently changed their plan/coverage, ranks second to last.  However, between these two only, I recommend you consider USCCA.

If you’re open to considering all options for legal self defense protection, we think that the best CCW insurance option is CCW Safe.

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 change in their plan/coverage, they are not the best value for leagl protection.

Things we love about USSCA: Tons of training and resources, highest daily “per diem” amount (more on that below) and they satisfy all three of our “must-have requirements.”

Things we’d change if we could: The total defense coverage dollar amounts are limited, they now treat these limits that they’ll pay to protect you as “confidential,” they reserve the right to make you pay back everything if you get a guilty verdit (where others offer support for an appeal), and a few other issues we found in their new policy .

Check out how they compare to US Law Shield in our full break-down below.

USCCA Pros and Cons

  • Great Training
  • Highest Daily Per Diem
  • Can Pick Your Own Attorney
  • Might Have to Pay Everything Back
  • Highest Cost
  • Capped Coverage

US Law Shield: Our Take

When it comes to “Concealed Carry Insurance” we believe that there are three things that ccw insurance must have : the ability to pick your own attorney, money up front (not just reimbursement), and a daily per-diem payment while in court.

Unfortunately, US Law Shield doesn’t meet 2 out of our 3 “must haves” and therefore we can’t recommend it – regardless of their low pricing, unlimited defense amounts, or other features.
They won’t let you pick your own attorney and there is no per diem available. This may not be a big deal to you but we believe a low cost to get unlimited dollars towards defense isn’t wise if you don’t trust/like your attorney.

Also, except for residents of Texas, Oklahoma, and Pennsylvania, they miss other major features that USCCA covers like bail bond funding and expert witness fees.

US Law Shield Pros and Cons

  • Lowest Price Around
  • Unlimited Criminal Defense
  • Unlimited Civil Defense
  • Bail Coverage is Extra Add-On
  • Can’t Pick Your Own Lawyer
  • No “Per Diem” Amount

USCCA vs US Law Shield: Pricing

For a single member basic plan, US Law Shield is less expensive than USCCA.

FrequencyUSCCAUS Law Shield
Monthly$29-49$10.95
Annual$300-504$131.40

However, the US Law Shield basic plans is missing some features that they charge extra for if you’d like to add them on.

For example, it’s an additional $2.95 a month if you’d like coverage in every state, an extra $2.00 per month if you’d like to add your minor children to your plan, and if you’d like to add bail bond funding and expert witness fees it’s an extra $2.95 per month.

But this last option is only available if you live in Texas, Oklahoma, or Pennsylvania.

Even with these extra fees, US Law Shield is still less expensive than USCCA’s lowest tier plan.

Winner: US Law Shield 

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 US Law Shield: Defense Coverage

This one seems straight forward, but it is tough to compare the amount of money provided for legal defense without addressing one of our biggest issues with US Law Shield – not being able to pick your own attorney.

Also, now that the USCCA has changed their plan/coverage, they no longer publish their limits. This is one of the main reasons they dropped so much in our comparison of the best CCW insurance.

Their new policy repetedly references dollar amount limits for coverage but the policy doesn’t share the numbers. When we asked why the USCCA removed their coverage dollar amounts from the policy and what the current amount swere, we were told that the limits were “confidential.”

So, we’ve included the most recently published amounts by USCCA as we believe through phone calls with them that the amounts are the same/similar. However, another change with USCCA is that their highest tier plan doesn’t offer any more legal protection coverage than their lowest plan.

FeatureUSCCAUS Law Shield
Max Criminal Defense$250,000Unlimited
Max Civil Defense$2,000,000Unlimited

As you can see, US Law Shield does not limit your legal defense coverage dollar amount while USCCA does. However, USCCA does not limit which attorney you can use (mostly). With USCCA’s recent changes, they now require that whatever attorney you choose must agree to their hourly rate (unknown) and their “litigation guidlines” (also unkown).

Sticking purely to the dollar amount of defense coverage available, US Law Shield wins.

Winner: US Law Shield 

USCCA vs US Law Shield: Features

If you’re keeping score so far, US Law Shield has won on both membership cost and dollar amount of legal defense coverage.

However, USCCA really pulls ahead when we look at other coverages and features.

FeatureUSCCAUS Law Shield
Pick Own AttorneyYesNo
Money Up Front?YesYes
Investigator Fees Covered?YesNo
Expert Witnesses Covered?YesOnly in TX, OK, and PA
Per Diem$750none
Up Front Bail Bonding$50,000/$500,000$25,000/$350,000 (only in TX, OK, and PA)

As we mentioned above, I think that there are three “must have” features when it comes to picking CCW Insurance. USCCA offers all three whereas US Law Shield only offers one of the three.

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

My “Big 3” requirements are:

  1. Ability to choose your own attorney,
  2. Money up front, and
  3. A daily “per diem” while in trial

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 US Law Shield here.

Picking your own attorney: US Law Shield requires you to use their attorney. 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).

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

Daily “per diem” rate: While in trial, you’re not going to be able to work and earn money for you or your family. Getting a daily amount can go a long way – especially if you’re in trial for months.

USCCA offers the highest amount of any other provider while US Law Shield doesn’t offer anything.

Bail: The USCCA’s highest plan offers up to $500k in bail bond coverage whereas US Law Shield only offers up to $250k if you live in Texas, Oklahoma, or Pennsylvania. If you live in any other state, bail bond coverage is not provided by US Law Shield. Bail coverage is important unless you don’t mind sitting in jail until your trial is over.

Expert Witnesses and Private Investigators: These two types of professionals are important to have as part of your team and they can be very expensive. Although US Law Shield offers unlimited legal defense cost, none of it goes towards investigators and expert witnesses are only covered if you live in TX, OK, or PA.

Winner: USCCA

USCCA vs US Law Shield: Extra Resources

This is the hardest area to compare because both the USCCA and US Law Shield 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.

Winner: Tie

USCCA vs US Law Shield Comparison Conclusion

If you kept score so far, US Law Shield won two 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 US Law Shield, I would tell you to go with the USCCA… hands down.

But why?

First, US Law Shield doesn’t provide two of my three “must haves.” Being able to choose your legal representation is fundamental – you should select the best attorney that fits you and you should be able to fire them if you don’t like your defense.

Second, other important features like bail bond funding and expert witnesses are only covered by US Law Shield if you live in one of the three states in which they’re available. And things like investigator fees and stolen firearm cost aren’t covered at all.

Here’s the simplest summary I can give: if you only want to consider US Law Shield and USCCA as options and you want the most legal defense money for the lowest cost, then US Law Shield is for you. However, if you want to have more say in where that money is spent defending you and you want some expensive things like bail, experts, and investigators covered, then you should go with USCCA.

However, if you’re looking for what we think is the best legal protection, you should take a look at CCW Safe.

USCCA – CCW Insurance

Cost

Although it is at the higher end, you are getting a lot of features.

A-

Coverage

The coverage amount has always been “capped” but now the actual limits are “confidential.”

C

Features

TONS of extra features for training, not for legal coverage

B

Value

A decent value for training, not for legal coverage.

C

Final Grade: B-

US Law Shield – CCW Insurance

Cost

One of the lowest cost options available.

A+

Coverage

The legal defense dollar amounts are unlimited but without having a choice in where they are spent, it may not matter.

C

Features

Some nice features, but it is missing 2 of our required 3 features and things like bail coverage cost extra.

C

Value

Low cost, but not near as many features or coverage as other options.

B+

Final Grade: B

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About Ryan Cleckner

Ryan is a former special operations sniper (1/75 Ranger) and current firearms attorney, firearms industry executive, university lecturer, and bestselling author of the Long Range Shooting Handbook.

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4 COMMENTS

    1. Maybe. In Connecticut, for example, they passed a law that banned certain types of firearms and exempted FFLs. So, in that case, having an FFL meant you could keep certain types of firearms.

  1. Ryan ,Sir thank you for you write ups. How do you address the Exclusions about these plans i.e Stalker, former lovers, etc?

  2. There is at least one inconsistency in your comparison. US Law Shield offers bail bonding/expert witness coverage everywhere, as of late 2020/early 2021. It is an additional $2.95/month and is worth every penny. Another lesser known fact about CCW Safe is that they do NOT provide coverage for use of force against a family member, no matter how distant the relationship. Think about that. It alone made me switch from CCW Safe to US Law Shield. Additionally, as far as picking your own attorney, I’m not experienced in who is a good attorney. I don’t want to pick my attorney. I want someone who has done this before to tell me who is going to win. Covering children/additional family member: CCW Safe will cover all family members INSIDE YOUR HOME ONLY. They do not extend any type of coverage to your children outside the home, where they could defend themselves against a bully, etc. In fact you must have a valid concealed carry license to be a member of CCW Safe. So constitutional carry state residents must still have a license to be covered. US Law Shield covers people licensed or not. Two dollars a month provides coverage for as many minor children as you may have, anywhere they may be. US Law Shield also lets you speak to a program attorney to answer any questions you may have. There is no limit to the number of times you can call. No one else offers this. One, 1 hour “meeting” with an attorney would easily cost more than the annual membership. I’ve done tons of homework on this very subject, which led me to switch. When I read incorrect info like this, it makes me wonder if this is being presented in good faith, or if it’s slanted to favor a particular company.

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