Best Concealed Carry Insurance in 2024: A Comprehensive Guide

If you’re looking to get the Best CCW Insurance, then you should understand the importance of self defense liability protection (legal).

Alright, let’s dive into the world of concealed carry insurance, where the stakes are high and choosing the right coverage is no walk in the park.

You already know the importance of legal protection when it comes to self-defense, but with so many options out there, how do you pick the best concealed carry insurance plan for you?

Being a firearms attorney, a bona fide expert in all things guns, and to top it off, a licensed insurance agent, I know the ins and outs of ccw insurance.

I’ve done the grunt work for you, digging into each company’s offerings to give you the lowdown. So sit back, relax, and let’s figure out which concealed carry insurance is going to have your back when it matters most.

CCW Insurance Must Haves!

Even with many years of experience with CCW Insurance, it can really be difficult to compare each one of the concealed carry insurance provider companies to each other as there can be so many subtle differences.

So make life simpler for you, I’m now going to highlight the 3 must haves when you’re looking for coverage:

1. Option to pick your own attorney: When it comes to your own self defense, you should be able to be given an option to choose the best attorney for your legal defense. If the insurance company forces you to use their attorney, I would avoid it immediately.

2. Money Up Front: Instead of receiving the money as a reimbursement, you should always look for the best concealed carry insurance coverage that gives your legal coverage money upfront.

This is a major deal as you wouldn’t want ot be caught in a position to cover a few hundred thousand dollars of legal defense expenses.

3. Daily Allowance/Per diem: Although having your legal expenses covered should be your utmost priority, having money coming in while you’re on trial and are unable to work is just as important. As such, we suggest that you pick a self defense insurance that gives you a daily ‘per diem’ payment as you attend your trials.

With these important factors in mind, let’s proceed to see which concealed carry insurance companies are the best options in my opinion.

Best Concealed Carry Insurance in 2024

1. CCW Safe: Editor’s Top Pick!

Specifications:

Review

If you’re looking for the best and most legal coverage for yourself and/or your family, CCW Safe would be a no brainer. As a matter of fact, it is my personal choice. If legal protection is the most important criteria that you’re looking for, then CCW Safe should be a no brainer.

Where does CCW Safe stand out? Unlimited upfront coverage! (certain legal expenses)

To elaborate, they cover these costs 100% in advance:

• Criminal Defense
• Civil Defense
• Administrative Defense
• Private Investigators
• Expert Witness Coverage

Although the focus from most people would be on its unlimited criminal and civil defense coverage (as mentioned above), there is a cost that many of you won’t even consider and often underestimate – the costs of private investigators and expert witnesses.

At CCW Safe, they understand the financial strain that self defense incidents can play on you and hence, they won’t require you to pay any upfront legal fees. If you don’t have a huge piggy bank (like most of us), then this would be an absolute game-changer!

Another cost that you want to consider and will also be very important to you would be bail bond coverage. After conducting a concealed carry insurance comparison, CCW Safe provides the highest amount available, offering up to $1,000,000 to secure your release in the event of an arrest related to a self defense incident with a CCW.

Picking Your Own Attorney? No problem. As mentioned above, having the freedom to pick an attorney that’s best for you is of the utmost importance.

Besides that, CCW Safe also goes the extra mile by offering a daily ‘per diem’ rate as part of its legal coverage. Other than legal fees, you will also be receiving financial assistance to cover some of these expenses as you attend trial.

Pros:

• Continuous Coverage: What sets CCW Safe apart from the other providers is its assurance of continuous coverage, even if found guilty or accepting a plea deal. Knowing that you will be receiving support throughout the entire legal process will provide you a complete peace of mind.
• Unlimited Legal Defense Coverage: CCW Safe goes big on this one as it’s one of the few to offer unlimited criminal and civil coverage. You won’t have to worry about your trial being dragged for too long and your insurance coverage to hit some arbitraty limit.
• Upfront Money and Per Diem Support: These things are absolute game changers if you ever find yourself in a legal pickle. Having upfront money to pay for all legal defense expenses while having daily per diem support to support your everyday life expenses as you attend trial, how much better can it be?

Cons:

• Limited State Availability: If you are in New York, New Jersey, or Washington, unfortunately, CCW Safe cannot be an option for you at the moment.
• Less Training Resources: If you’re picking CCW Safe, you know you’re going to get the best legal coverage. However, if you are looking for a little more training resources to be included, then it may disappoint you a little as the company is prioritizing on providing maximum value on legal coverage at the moment.

2. USCCA

Specifications

Review

USCCA, short for the United States Concealed Carry Association, comes at the highest monthly cost but will be giving you a great deal of features and benefits. These include an extensive online training library, checklist, guides, and even a monthly concealed carry magazine!

If you’re looking for something more than just legal coverage, then USCCA should be your top choice as they are the best when it comes to CCW training. A good friend of mine, William found himself in a potentially dangerous situation after drinking at the pub one night.

Thanks to the practical tips he gained from UCCSA’s online training library, he was able to de-escalate the situation and safely make his way home.

At USCCA, they fully understand the principle of ‘prevention is better than cure’. You may also look at online forums, you’d easily find real testimonies of USCCA members learning invaluable lessons from its training resources in helping them sharpen their skills to be prepared for almost any situation that may arise.

As for the rest such as criminal and civil defense coverage, picking your own attorney, upfront money, bail, and daily per diem, there is no need to worry at all as USCCA has got you all covered!

If peace of mind and actual knowledge on how to de-escalate an unexpected confrontation, you won’t have to worry about being involved in countless trials when shit hits the fan.

Check out our full-on USCCA review to find out more!

Pros:

• Good Training: USCCA provides extensive training resources, covering all levels of expertise to ensure that all its members will be prepared for any situation. Here, you will not only learn to de-escalate any possible confrontations, you will also gain insights to life saving tips! How do you put a price on that?
• Highest Daily Per Diem: Among all the other concealed carry insurance providers, USCCA provides up to $750 per diem, which includes financial assistance for lodging, transportation, and meals during legal proceedings.
• Picking Your Own Attorney: Unlike some concealed carry insurance companies, USCCA allows you to select your own lawyer, making sure that you get all the trusted support you need throughout the legal process.

Cons:

• Limited Coverage for Intentional Wrongdoing: Although USCCA provides coverage for a wide range of scenarios, intentional wrongdoing is not one of them. That said, this limitation is in line with its commitment to responsible gun ownership.
• Higher Cost: If you’re looking for the cheapest option, then USCCA is not for you. That said, if you’re looking for the best training resources and legal representation, then it would be a no-brainer to pick it. Good things never come cheap.

3. Right to Bear

Specifications

Review

In case you didn’t know, Right To Bear is a new player in the concealed carry insurance industry, brought to you by PSA – Palmetto State Armory, a renowned name in the firearms world.

Right to Bear covers a range of legal expenses, including attorney fees, court costs, expert witnesses, and evidence gathering. Furthermore, its up front money feature provides immediate financial assistance to you so that you can secure legal representation without undue delay.

When it comes to civil liability coverage and lawsuits, Right to Bear’s Civil Defense & Liability Coverage will safeguard your assets, and cover legal fees, damages, and settlements for you. Its bail coverage also offers financial assistance for release from custody, while per diem coverage provides a daily living allowance as you attend legal proceedings and are unable to work.

Not to mention, it also includes appeal coverage in case you wish to challenge unfavourable court decisions.

Pros:

• Comprehensive Legal Coverage: They offer extensive coverage, including criminal and civil defense protection, bail assistance, per diem, and coverage for appeals, ensuring that you’re well insured when facing self defense scenarios.
• Freedom To Choose Your Attorney: As mentioned above, having the liberty to pick your own attorney will provide you with the utmost peace of mind as you’ll be able to find the best legal representation for you.

Cons:

• Limited Availability: Right to Bear is not available in New York, New Jersey, or Washington due to legal restrictions.
• Per Diem Coverage Variability: Although Right to Bear does offer per diem coverage, its availability may vary depending on your state of residence. As such, it’s important to check if per diem coverage is available in your area.

4. Second Call Defense 

Specifications

Review

When it comes to concealed carry insurance, Second Call Defense’s entry level option stands out as the most budget friendly CCW insurance among its competitors. That said, it’s important to note that with less price to pay, you’re also getting less coverage as there’s only $10,000 allocated for criminal defense and no provision for civil defense protection.

If you’re looking for the cheapest option in the market, Second Call Defense should be your go to. However, upon careful evaluation of its coverage plans, we noticed that even at the higher tiers, Second Call Defense’s coverage limits remain the lowest among other concealed carry insurance providers.

That said, it does meet all 3 of our most important criteria when picking a concealed carry insurance company. You would be able to retain the freedom to select your own attorney, receive upfront financial assistance, and benefit from a per diem allowance during legal proceedings.

Although it comes with a modest coverage amount, its adherence to the most important insurance guidelines ensures that you’ll still be able to receive the most important benefits when coming to CCW Insurance.

Pros:

• Cheap: When it comes to being affordable, Second Call Defense comes out on top among everyone. If you’re looking for the most budget-friendly concealed carry insurance, this is the one for you.
• High Customer Satisfaction: Although it’s considered a low cost option, it does boast high levels of customer satisfaction, all thanks to prompt and reliable service to their members.

Cons:

• Capped Coverage: One of the main disadvantages of Second Call Defense is its limited coverage, particularly in its lower tier plans. Although you are paying a much lower fee, this may expose you to greater financial risks in the event of a self defense incident.
• Less Value on the Lower End: Although they offer the most affordability, they provide less value compared to the higher tier options or other competitor’s offerings. There may be times where you will have to sacrifice comprehensive protection for the sake of cost savings.

5. Firearms Legal Protection

Specifications

Review

Firearms Legal Protection offers a comprehensive CCW insurance package designed to provide robust coverage and support in a self defense incident.

In terms of criminal defense protection, FLP ensures that you’ll be receiving expert legal assistance for criminal charges against you from self defense incidents. They will be covering your legal fees from hiring attorneys.

In terms of finances, you won’t have to worry about coming up with a large chunk of cash as Firearms Legal Protection offers upfront money in order for you to hire your attorney promptly, which is crucial.

On one hand, it offers standout features such as providing unlimited legal defense coverage for both criminal and civil matters, which is rare in the concealed carry insurance realm. Additionally, its premium plans offer robust coverage for extras such as bail and expert witnesses, providing you with good support in legal proceedings.

However, Firearms Legal Protection also falls short in certain areas, such as not having the flexibility to choose your own attorney, potentially limiting your ability to select legal representation.

Furthermore, there is also an absence of civil damages protection, which leaves a gap in coverage, potentially exposing you to financial risks in civil lawsuits arising from self defense incidents.

Pros:

• Unlimited Defense Coverages: FLP stands out with its provision of unlimited defense coverages, which sets it apart from many concealed carry insurance providers. You won’t have to worry about being constrained within predefined limits as you attend trials.

Cons:

• No Choice of Own Attorney: Unfortunately, members may lack the autonomy to select their preferred lawyers, which may impact your personal defense strategy. However, you won’t have to worry too much as FLP will ensure effective legal defense strategies are tailored for you.
• No Civil Damages Coverage: The absence of coverage for civil damages may leave you vulnerable to potential financial risks arising from civil lawsuits. As such, this is something to take note of.

6. ACDLN: Armed Citizens Defense League Network

Specifications

Review

The Armed Citizens Defense League Network offers pretty competitive advantages thanks to its olw monthly rates and allowing members to have the flexibility to choose their own attorney.

Although it does not offer per diem payment, it does offer unlimited coverage up to a certain limit, which appears to be a pretty promising option for legal protection.

That said, upon an closer look, it becomes quite obvious that compared to the other CCW insurance providers, ADCLN may not rank as highly.

One notable caveat to their unlimited coverage is that it only extends up to half of their defense fund. Although the current size of the defense fund may exceed the other fixed amounts offered by other competitors, there is no guarantee that it will always be the case, especially when members require criminal defense protection.

This limitation will raise concerns with regards to its reliability and adequacy of coverage during legal cases. Upon considering all these factors, I would suggest that you explore other alternative options listed above instead as they offer much more transparent coverage to ensure you get the legal protection you need.

Pros:

• Unlimited Coverage: ACDLN offers the advantage of unlimited coverage, providing you with a good sense of security in knowing that your legal expenses will be covered without predefined limits.
• Low Cost: If you are looking for something that doesn’t hurt your wallet every month, ACDLN will be an attractive options for you. The combination of unlimited coverage and affordability does make it a compelling choice for budget conscious members.

Cons:

• Coverage Still Limited to Defense Fund: Although it does offer unlimited coverage, ACDLN’s civil and criminal defense coverage is ultimately limited to the size of its defense fund. Although its current fund size is sufficient to cover expenses, there is a risk that it may not always be the case.
• No Per Diem Rate: One notable drawback of ACDLN is its absence of a per diem rate. This lack of financial assistance can be a challenge for you if your court hearings are prolonged as you may need to cover some expenses out of your pocket.

7. US Law Shield

Specifications

Review

At first glance, US Law Shield (also known as Texas Law Shield) appears to offer quite a few appealing features. One of them would be the lowest monthly rates in the market, coupled with the promise of unlimited coverage amounts.

That said, you should note that US Law Shield does not allow you to pick your own attorney and the absence of a per diem allowance does reduce its overall appeal to me. These limitations will ultimately diminish the level of protection received from its concealed carry insurance policies and you’ll probably be much better off with almost any other concealed carry insurance provider on our list by just paying slightly more per month.

You simply cannot put a price on peace of mind!

Pros:

• Low Cost: If there’s one thing that it stands out, it would have to be its lowest monthly rates in the market for CCW insurance. This will make it an attractive option if you’re oloking for a cost effective concealed carry insurance.
• Unlimited Coverage: Another notable feature is its promise of unlimited coverage amounts. You can find reassurance in knowing that all your legal expenses will be covered without predefined limits.

Cons:

• No Freedom to Pick Own Attorney: Another drawback would be its lack of freedom to choose your own attorney. This means that you’re unable select legal representation that aligns with your personal preference and needs.

Concealed Carry Costs and Comparisons: CCW Insurance Buyer’s Guide

When it comes to selecting the best concealed carry insurance, making an informed decision is paramount. Let’s embark on this journey together, exploring the key considerations that will guide you to the coverage that suits your needs.

Here’s a comprehensive comparison table for various concealed carry insurance providers, focusing on key aspects such as annual premium, legal defense coverage (both criminal defense coverage and civil defense coverage), immediate access to funds, education benefits, community support, and additional benefits:

There are actually many variables to consider when picking the best concealed carry insurance for yourself. To put things in a clearer perspective, here are some crucial features:

Most Important Things that CCW Insurance Should Have

Simply subscribing to a CCW Insurance will never be enough. If you really want to make sure that you’re well protected against legal and financial risks, you need to make sure that your CCW Insurance has these 3 things:

1. Freedom to Pick Your Own Attorney
2. Money Upfront
3. Per Diem Allowance during Trial

Picking Your Attorney

You must remember that choosing the right attorney is crucial in every legal case, especially for matters as sensitive as criminal defense. Although some concealed carry insurance companies will dictate which attorney you must use, it’s essential to avoid such restrictions if possible.

You should always try to look for CCW insurance providers that allows you the freedom to select your own attorney that you trust completely. To give you a few pointers, you should pick an attorney who’s an expert in criminal law, with a track record of high rates of success in defending self defense cases.

This will increase the chances of you overcoming your legal challenges.

Getting The Money Up Front

Having immediate access to funds is important as you face criminal and civil trials. This is what makes having concealed carry insurance important in the first place anyway.

Although some CCW Insurance policies will promise coverage up to a certain amount, its reimbursement process can be pretty lengthy and burdensome. As such, you want to opt for a policy that provides upfront financial assistance to ensure that you have the necessary resources to cover the lawyer fees and any other expenses that may arise.

Get Paid a Der Diem Allowance During Trial

In case you didn’t know, legal battles, both a civil and criminal trial can often last months. During this time, the financial burdens extend far beyond legal fees alone.

Loss of income due to job loss/inability to work as you attend trial can exacerbate the financial strain on you and your family.

To mitigate this risk, you should pick a CCW Insurance that offers a per diem allowance during trial proceedings. This daily allowance will provide essential financial support to help you cover your living expenses i.e. mortgage payments and/or family support.

With per diem allowance, you will be able to navigate your trial period with greater peace of mind without worrying about finances at home.

Conclusion

When it comes to picking the best concealed carry insurance for your needs, going through the key factors is crucial. Although there are many options on the market offering concealed carry insurance, CCW Safe and USCCA emerge as our top choices.

CCW Safe stands out by providing unparalleled commitment to your protection, providing extensive coverage for both criminal and civil defense. Aside from that, it also offers essential features such as money upfront and daily per diem allowance during trial.

With CCW Safe, you can be rest assured knowing that you’ll have access to top-tier legal representation and financial support to empower you to face all the legal challenges with confidence and peace of mind with a reasonable price tag.

Similarly, USCCA earns its reputation as a trusted authority in CCW Insurance. One of its standout features is its wealth of training resources and benefits to its members. Aside from that, it also offers unlimited coverage options and additional expert guides to help you de-escalate any potential confrontations to avoid a lawsuit.

When picking the right concealed carry insurance, you’re also investing in your personal safety, security, and peace of mind. So we sure hope our guide was able to help you out in filtering what is the best concealed carry insurance!

FAQ

What is CCW insurance, and why do I need it?

CCW (Concealed Carry Weapon) insurance is a type of specialized coverage designed to protect gun owners legally and financially in the event of a self-defense incident.

It provides coverage for legal expenses, including attorney fees, court costs, and potential damages, ensuring that responsible gun owners have the necessary resources to defend themselves in court.

Who can benefit from Concealed Carry insurance?

Anyone who legally carries a concealed weapon for self-defense purposes can benefit from CCW insurance. Whether you’re a seasoned gun owner or a novice, having CCW insurance can provide peace of mind knowing that you’re protected in case you ever need to use your firearm in self-defense.

What does it typically cover?

CCW insurance typically covers a range of legal expenses associated with self-defense incidents, including criminal defense protection, civil defense and liability coverage, bail assistance, and expert witness fees. Some policies may also include additional benefits such as upfront funding, per diem allowances during trial, and coverage for firearm replacement.

How much do CCW insurance policies cost?

The cost of CCW insurance can vary depending on several factors, including the level of coverage, the insurance provider, and the policyholder’s location. Generally, monthly premiums can range from a few dollars to over a hundred dollars, with higher coverage limits often associated with higher premiums.

Do I need CCW insurance if I already have homeowners or renters insurance?

While homeowners or renters insurance may provide some coverage for firearm-related incidents, it’s unlikely to offer the comprehensive protection afforded by dedicated CCW insurance.

CCW insurance is specifically tailored to the unique legal and financial challenges faced by gun owners in self-defense situations, making it a valuable addition to existing insurance coverage.

Can I choose my own attorney with CCW insurance?

The ability to choose your own attorney varies depending on the CCW insurance provider. Some insurers allow policyholders to select their preferred attorney, while others may designate legal representation. It’s essential to review the policy terms and conditions to understand the options available regarding legal representation.

How do I file a claim with my CCW insurance provider?

In the event of a self-defense incident, policyholders should promptly notify their CCW insurance provider and follow the claims process outlined in their policy. This typically involves contacting the insurer’s claims department, providing relevant documentation and information, and cooperating with any investigations or legal proceedings.

Is Concealed Carry Insurance legally required?

CCW insurance is not legally required in most jurisdictions. However, it is highly recommended for gun owners who carry concealed weapons for self-defense purposes.

Having CCW insurance can provide invaluable protection against the potential legal and financial consequences of a self-defense incident, giving gun owners peace of mind and confidence in their ability to defend themselves responsibly.