As a gun owner, it is important to be aware of the different concealed carry insurance policies available. Different plans bring diverse values, so it's important to compare rates and coverage before purchasing. In this blog post, we will compare some of the best concealed carry insurance policies on the market. We will also provide tips on choosing the right policy for you. So, dive in!

best concealed carry insurance compared

TABLE OF CONTENTS

What concealed carry insurances are about?

Concealed carry insurance is designed to financially protect gun owners in the event that they are involved in a self-defense incident. Suppose you are sued or charged with a crime after using your gun in self-defense. In that case, your concealed carry insurance will help cover the costs of legal fees and other related expenses.

Why do we need insurance? Things insurances cover

Potential legal consequences

Carrying a concealed weapon can be a daunting responsibility. Not only do you have to be careful to always keep your gun out of sight, but you also have to be aware of the possible legal ramifications if you ever have to pull a firearm. Insurance provides coverage for your legal expenses if you are ever involved in a self-defense incident.


Criminal prosecutions

Even if you're the best shot in the world, there's always a possibility that you could face criminal charges related to an incident. That's where concealed carry insurance comes in. It can help cover your legal fees if you're ever charged with a crime, and it can give you peace of mind knowing that you're ready for anything.


Civil lawsuit

Insurances can provide you with protection in the event that you are sued civilly after using your weapon in self-defense. Even if you are steered clear of any criminal charges, you could still face a civil suit. And if you don't have insurance, you could be on the hook for tens thousands of dollars in legal fees. So, it's best to be prepared and get the best concealed carry insurance.


Money, money, money

If you are a law-abiding citizen who owns a firearm for self-defense, you need to purchase concealed carry insurance. CCW insurance will protect you in the event that you are involved in a self-defense shooting, and it will cover your expenses if you are sued or prosecuted as a result of the incident. In addition, CCW insurance will provide you with $500,000 in coverage if you lose at trial or on appeal. This is an essential protection for anyone who is carrying a concealed weapon, and it is well worth the annual premium of around 400 dollars or less.


Who are insurances for?

nra concealed carry insurance

Concealed carry insurance is important for all gun owners. Still, it is especially important for

those who carry a concealed weapon. If you are involved in a self-defense situation, you could be sued or charged with a crime. If you don't have insurance, you could be on the hook for thousands of dollars in legal fees.


Present to you: USCCA - Best association provides more than just insurance

Many people may have already been aware that the USCCA offers a high-quality training and education package. The organization also provides industry discounts to its members, which can help save you money in various aspects such as licensing fees or insurance costs! The membership purchase consists of Self-Defense Liability Insurance as well. (Click here for further information)

Their memberships start as low as $25 a month when paid annually, and they offer a variety of benefits that are designed to keep members safe.

Members get access to an impressive array of features and benefits for a relatively high monthly cost. These include a comprehensive online training library, complete with guides and checklists, and a monthly magazine packed with useful information. In addition, members also get discounts on gun accessories and Ammo, making USCCA an extremely attractive option for anyone serious about concealed carry.


Comparisons of best insurances from major suppliers

USCCA - Concealed carry insurance

Pros

  • Great training: The USCCA provides its members with access to a comprehensive online training library.
  • High coverage limits: The USCCA offers up to $2,000,000 in civil suit protection and $500,000 in criminal defense protection.
  • Highest daily Per diem:They offer a per diem of $500, which is the highest in the industry. This per diem covers you for any legal fees and expenses incurred if you are forced to use your concealed weapon in self-defense.
  • Can choose your own lawyer: One of the best things about USCCA concealed carry insurance is that you are not required to use their legal team and can instead choose your own lawyer. This is great news for members who already have a relationship with a lawyer they trust or who want to be able to shop around for the best possible representation. While USCCA's team is certainly qualified to represent you, it's nice to know that you have the option to choose your own lawyer if you so desire.

Cons

  • Some people may find the monthly cost-prohibitive: For some people, that may be the USCCA, which offers relatively low membership fees compared to other policies. However, the USCCA's fees may still be too expensive for others.
  • Must purchase a membership to get insurance: As their mainstream service is not insurance, they set a requirement that you have to be a member of USCCA to qualify for the insurance.
  • Possibly have to pay back everything: Many people are unaware that you may be required to reimburse the court for any expenses incurred during your trial if you are found guilty of a crime. This includes the cost of your attorney, the cost of the prosecutor, and even the cost of your concealed carry insurance. The unluckiest thing is that USCCA reverses their rights, making you pay back all the money, despite having the insurance.

Armed Citizens Legal Defense Network (ACLDN)

Pros

  • Unlimited coverage:ACLDN provides its members with unlimited criminal and civil defense coverage. This is a great benefit for members who are worried about being sued or facing criminal charges after using their concealed weapons in self-defense.
  • Can choose your own lawyer: As with USCCA, ACLDN members are not required to use the organization's legal team and can instead choose their own lawyer. This gives members the flexibility to choose the lawyer they feel most comfortable with.
  • Simple membership (no tiers or options): Unlike some other concealed carry insurance companies, ACLDN has a very simple membership structure. There are no tiers or options to choose from. You pay the one-time enrollment fee, and you're covered.

Cons

  • Limited resources:Because ACLDN is a non-profit organization, it may have limited resources when compared to some of the larger for-profit companies. This could impact the quality of services and support members receive from the organization.
  • No per diem available:Unlike USCCA, ACLDN does not offer a per diem for members who are forced to use their concealed weapons in self-defense. This means that members may have to pay out of pocket for any legal fees and expenses they incur.

Right to Bear Insurance

Pros

  • Covers legal costs related to criminal and civil cases: Right to Bear Insurance covers the legal costs related to both criminal and civil cases, which greatly benefits members who are worried about being sued or facing criminal charges after using their concealed weapons in self-defense. A variety of coverages are available to protect you in the event of criminal charges, including defense costs, bail money, and damages. By upgrading to a higher level: Silver, Gold, or Platinum status, you will get more and more coverage.
  • Low-budget offers: For just $10.95 a month, you can get coverage if you are involved in a self-defense incident. And suppose you ever need to use your firearms in self-defense. In that case, your policy will cover up to $1 million in legal expenses. So if you're looking for an affordable way to protect yourself and your family, concealed carry insurance from Right to Bear is well worth the investment.

Cons

  • Limited coverage:One of the biggest drawbacks of Right to Bear Insurance is that it only offers $25,000 in coverage per incident and $50,000 in total coverage. While this may be enough for some people, others may want more coverage.

CCW Safe

CCW Safe is a well-constructed and scrutinized concealed carry insurance plan.

Pros

  • High limits:CCW Safe cover ALL of these costs:
    -Criminal and Civil Defense
    -Administrative Defense
    -Personal inspectors
    -Expertized analysis
    -Multi-state coverage
    Especially when you need a private investigator or expert witness, it's important to know the upfront cost. This is especially true if your inquiry pertains specifically to their expertise because these professionals often charge by the project rather than a flat fee (which can be more affordable).
  • No reimbursement on payment:You don't have to worry about being reimbursed for any out-of-pocket expenses you incur due to an incident. This is because CCW Safe will directly pay your attorney, investigator, and other professionals on your behalf.
  • CCW Safe is the only provider on the market to have insurance plans for those seeking self-defense coverage at home. Their plans are comprehensive and provide the best coverage available.

Cons

Concealed carry permit is requiredif you want to sign up for CCW Safe. If you don't have a CCW permit, you'll need to provide proof that your living area does not require one. Either way, you can rest secure that you're getting the best possible coverage from CCW Safe.

US & TX Law Shield

Pros

  • Most affordable option available:If you're looking for an affordable option, US & TX Law Shield is definitely worth considering. You can already get fantastic solid insurance for just $10.95 a month (basic membership sign-up) and $21.95 per month for two people.
  • Excellent feedback:US&TX Law Shield has the best concealed carry insurance based on excellent reviews and customer satisfaction. They also offer great customer service, and they are always available to help with any questions you may have. Their customer service is marvelous, and they are always willing to go above and beyond to help you.
  • They provide unlimited on their civil or criminal defense coverage despite the scale that the company operates on.
  • Upfront payments: With US & TX Law Shield, you don't have to worry about being reimbursed for any out-of-pocket expenses you incur as a result of an incident. They will directly pay your attorney, investigator, and other professionals on your behalf.

Cons

  • No compensation for the basic plan: If you are found not guilty, or the charges are dropped, there is no compensation for any lost wages, legal fees, or other damages. Everything will be GONE!
  • Extra charges to widen the in-effect area:Add-on fees are attached to the plan if you have deposit insurance or want your policy to be valid throughout the United States. The costs are reasonable and offer great value for money, but it's something to keep in mind if you're looking for the absolute cheapest option.
  • No attorney on your pick: You're not given the option to choose your own attorney. Instead, you're assigned one of the company's pre-approved lawyers. While this lawyer will be experienced and knowledgeable, they may not be the best fit for your specific case.

Second Call Defense

Pros

  • One of the most reasonable prices: For just $16 a month, you can have some of the best coverage in the business. And adding a spouse is only an extra $5 a month. That's an incredible value for such peace of mind.
  • Detailed-built plans:Besides defined clauses, their plans are privately suitable to your needs, and they have a variety of options from which you can choose and take deep concentration to think.
  • High customer satisfaction:There are many happy customers that have praised Second Call Defense for their excellent customer service and coverage. In fact, they have an A+ rating from the Better Business Bureau.

Cons

  • No international coverages:One of the few drawbacks of Second Call Defense is that their plans do not cover you if you're outside of the United States. So if you're planning on traveling internationally, you'll need to find another provider.
  • Too basic fundamental plans: The basic plans offered by Second Call Defense are a bit too basic for some people. They only cover you with $1,000 for bail, $10,000 in criminal defense, and $10,000 for civil defense. And Civil defense is limited to accidentals shootings only! In addition, to get standardized plans like from other suppliers, more charges are required, which is not a so-reasonable total amount.

$0.00$44.99
$0.00$39.99
$24.99
$0.00$39.99
$24.00

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A deeper look at legal defense coverage

best concealed carry insurance

Civil defense

This fee includes fees paid for your legal representative and other legislative costs, all of which are meant only for civil defense.

If you are ever sued civilly after using your firearm in self-defense, your policy will also cover your legal expenses. This coverage is essential, as civil lawsuits can be very costly, and there is no limited number of courts you may be attending.

The difference between criminal defense and civil defense is that in a criminal case, you are being charged with a crime, whereas in a civil case, you are being sued by the victim.

Civil liability

This means that if you are ever found liable for damages in a civil suit, your insurance will help pay for those damages. This coverage is important as it can protect you from having to pay out of pocket for damages that you are found liable for.

Bail bond money

Another important benefit of concealed carry insurance is that it can provide bail bond money if you are ever arrested due to a self-defense incident. This money can be used to post bail and get you out of jail while you await your day in court.

Notice that the bail amount paid is only 10% of the total bail covered by the policy. So, if your bail is set at $10,000, you would only have to pay $1,000 out of pocket.

Liability insurance

Most concealed carry policies also include liability insurance.

This coverage can help pay for damages if you are ever sued or held liable for an incident.

This coverage is important as it can protect you from having to pay out of pocket for damages that you are found liable for.

Attorney retainer

Another important benefit of concealed carry insurance is that it can help pay for an attorney retainer. This money can be used to hire an attorney to represent you in court.

This coverage is important, as hiring an attorney can be very expensive. And many lawyers require a retainer to continue their services. You will have to pay them upfront before they even start working on your case. Retainers can be very expensive, so you want to ensure you get the best possible value for your money.

Appeals

If you are ever convicted of a crime due to a self-defense incident, and you do not accept the court's decision, you have your right to appeal.

Appeals cost. So, your insurance will also cover the cost of appeals. This coverage is important as appeals can be very costly, and there is no guarantee that you will win your appeal.

Criminal defense

People concern most about the legal costs they have to compensate for if found guilty after their firearm for defense is used. If you’re not found guilty, then this money won’t be affected, it is still there. This money is only for criminal defense protectiony.

The good news is that most policies cover criminal defense, which can be very expensive.

Guide: Requirements to take into consideration when buying concealed carry insurance

Choice of attorney is up to you

Avoid an attorney that the insurance providers pick. While your insurance company may seem like your best friend after an accident, it's important to remember that they are a business. Their primary goal is to make money, not to get you the best possible outcome. One way they do this is by recommending lawyers who are willing to settle for less than you deserve. While it's true that some cases are best suited for settlement, many times, an insurance company will push for a quick settlement to avoid making a larger payout. If you're not confident in navigating the legal system, it's best to consult with an experienced attorney who can help you get the best possible outcome.

Coverage Up Front

Rather than waiting for your claim to go through after the fact, if your CCW insurance provider offers coverage up to a certain amount and pays out through direct deposit the same day, it's better than nothing. You don't want to wait for a check to come in the mail when you have bills to pay and a family to support.

Per Diem During Trial

For many people, the best concealed carry insurance is a policy that will cover the costs associated with missing work to attend court proceedings. Court cases can often be scheduled at the last minute, and it can be prohibitively expensive to miss work to attend. However, some CCW insurance policies will provide a per diem during the trial. This can help to offset the cost of lost wages, and it can also ensure that you have the resources you need to mount a strong defense. If you are carrying a concealed weapon, it is important to have the best possible coverage. Missing work to attend court proceedings can be costly, but with the right insurance policy, you can minimize the financial burden.

State Coverage

If you carry a concealed weapon, it is important to make sure that you are properly insured. The best concealed carry insurance policies will cover you in all 50 states, allowing you to rest assured that you are protected no matter where you go. This is important because you never know when you might have to use your gun in self-defense. Whether you're heading out of state or just going for a walk in your neighborhood, it is important to know that you are covered in case of an incident. Make sure to shop around and compare policies to find the best one for your needs. By being properly insured, you can have inner peace knowing that you are prepared for anything.

Expert Resources

You can rest assured that if concealed carry insurance offers you access to informative and well-researched resources like videos, magazines, or newsletters on concealed carry, then they are caring for your needs. This can be invaluable if you are ever involved in a self-defense incident. Many times, these incidents can be complex and confusing. Having access to expert resources can help you navigate the legal system and ensure that you get the best possible outcome. When opting for a policy, make sure to ask about the available resources to policyholders.

Conclusions

Everyone's priorities and preferences vary. And their lawyer's pieces of advice do, too. Even when that is true, take close consideration three highlights of requirements when shopping out: attorney option, reimbursement, and per diem during the trial.

With the six presented providers above, each person will value different concealed carry insurance plans. We all know that. However, on the general survey taken by gun owners and purchasers, we would rate

1. USCCA Memberships

2. CCW Safe

3. Right to Bear Insurance

as the three most trusted and appreciated plans.

Still, there are three other insurers on the list and many other providers who offer various options with diverse tiers of cost for you to take references. Another important point is that their policies may change through the years. So, please stay in contact with us to be constantly updated.

Just one more small piece of advice: DON'T EVER UNDERESTIMATE the essence of having concealed carry insurance. There are many people out there who carry concealed weapons everywhere they go. And while most of them never have to use it, the unfortunate reality is that accidents do happen. That's the reason why it is so vital to have the best concealed carry insurance you can get. Policies are created with diverse offers, so it's important to do your research and compare the different options before deciding.

It might not be the most pleasurable thing when thinking about but being prepared for the worst-case scenario is always the best option.

Be responsible. Stay insured!


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