USCCA Review [2024]: A Gun Expert’s Point of View


In a world where personal safety is paramount, the search for effective self-defense solutions becomes a journey of critical importance. As an individual who places a premium on personal security, the exploration of reliable and comprehensive options for self-defense has been a constant quest.

It was during this quest that I stumbled upon a name that echoed within the concealed carry community—the US Concealed Carry Association (USCCA).

The importance of self-defense cannot be overstated, and finding an organization that aligns with one’s values and beliefs becomes an integral part of that journey.

The USCCA, as its name suggests, intrigued me with the promise of not just insurance but a comprehensive association dedicated to concealed carry education, responsible gun ownership, and the protection of those exercising their Second Amendment rights.

Here in this USCCA Review, we’ll dig deeper into this concealed carry insurance provider.

USCCA Review Summary

Key FeaturesDetails
Membership LevelsGold, Platinum, Elite
Coverage LimitsUp to $2,000,000
Bail CoverageYes
Per Diem AllowanceYes
Training ResourcesExtensive library, online courses
Civil Defense CoverageYes
Up Front MoneyYes
Community SupportActive community for discussions and support
Transparent ExclusionsClearly outlined limitations, e.g., intentional wrongdoing
Education FocusComprehensive self-defense education and resources
Legal SupportCoverage for criminal defense with experienced attorneys
FlexibilityUpgrade membership level at any time


What is the US Concealed Carry Association (USCCA)?

USCCA is more than a mere insurance provider; it’s a movement. Founded with a mission to empower responsible gun owners, USCCA has carved a niche for itself as a community that transcends the boundaries of conventional insurance offerings.

At its core, USCCA is a beacon for individuals who understand that owning a firearm comes with a profound responsibility—one that necessitates knowledge, training, and a commitment to ethical and lawful self defense conduct.

USCCA not only provides financial protection through various membership levels but also goes above and beyond by offering a plethora of resources. From online courses and training materials to an active community of like-minded individuals, USCCA stands as a testament to its commitment to holistic self-defense education.

Should You Get Concealed Carry Insurance?

The decision to invest in Concealed Carry Insurance is not just a financial consideration but a strategic move in securing your peace of mind and protecting your future. USCCA, with its comprehensive self-defense liability protection, stands as a beacon for responsible gun owners.

The aftermath of a self-defense incident can be emotionally and financially taxing. Legal proceedings, your own attorney fees, and potential civil liability suits loom on the horizon, creating a landscape fraught with uncertainties.

USCCA’s self-defense liability protection acts as a shield against these uncertainties, providing not just financial coverage but a comprehensive support system.

In my experience and opinion, the answer to whether you should get self-defense liability protection is a resounding yes. USCCA’s offering extends beyond a financial safety net; it’s a commitment to walk with you through the legal complexities, ensuring you have the support needed to make informed decisions during a challenging time.

In essence, the USCCA is not just an insurance provider—it’s a companion in your journey of responsible gun ownership, offering education, community, and protection.

The decision to invest in self-defense liability protection with USCCA becomes a strategic step toward safeguarding not just your assets but your peace of mind and the responsible exercise of your Second Amendment rights.

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How much does USCCA cost?

Understanding the financial aspect of any self-defense coverage is crucial, and USCCA offers a range of membership levels to cater to different needs and budgets. Let’s break down the costs and coverage details.

USCCA Coverage Details 

Membership LevelCost (Annual)Coverage Limits


Choosing a membership level is about finding the right balance between your budget and the level of coverage you desire. The Gold, Platinum, and Elite memberships offer coverage limits that escalate accordingly, ensuring that you can tailor your plan to suit your specific needs.

The affordability of these plans makes USCCA accessible to a wide range of gun owners, from those just starting their self-defense journey to seasoned enthusiasts.

What I appreciate about USCCA’s pricing structure is its transparency. You know exactly what you’re paying for, and the tiered options allow you to scale up your coverage as your circumstances or preferences change.

What Does USCCA Cover?

USCCA’s coverage is not just about financial protection; it’s a comprehensive approach to self-defense. Let’s delve into the specifics of what USCCA covers, starting with criminal defense coverage.

Criminal Defense Coverage

Facing criminal charges after a self-defense incident is a daunting prospect. USCCA steps in to provide coverage for legal costs, ensuring that you have the resources to mount a robust defense. This coverage includes legal representation from attorneys experienced in handling self-defense cases, which is crucial for navigating the complexities of the legal system.

What sets US Concealed Carry Insurance apart is not just the provision of financial support but also the understanding that a strong defense requires knowledgeable and experienced legal professionals. Having this coverage is like having a legal team standing by, ready to advocate for your rights and guide you through the legal process.

In my view, criminal defense coverage is the cornerstone of any CCW Insurance, and USCCA’s commitment to this aspect reassures me that they understand the gravity of the legal challenges one may face. This coverage provides peace of mind, knowing that you won’t be left alone to bear the burden of legal expenses during what is already a stressful time.

As we continue to explore what USCCA covers, it becomes evident that their approach is not just about financial protection but about empowering individuals to make informed decisions and navigate the aftermath of a self-defense incident responsibly.

Civil Defense Coverage

While criminal charges are a significant concern after a self-defense incident, civil lawsuits can also arise, posing a different set of challenges. USCCA addresses this by providing civil defense coverage.

This facet of the US Concealed Carry Insurance ensures that you are protected in the event of a lawsuit seeking monetary damages for injuries or other claims resulting from the incident.

Civil defense coverage from USCCA extends beyond just legal fees; it encompasses the financial support needed to mount a robust defense against civil claims. This is crucial because even if criminal charges are not pursued, you may still find yourself entangled in a civil lawsuit, potentially threatening your financial stability.

With USCCA, you can face these challenges with confidence, knowing that you have coverage in place to protect your assets.

Civil Defense Liability

USCCA takes the concept of liability seriously, not only in terms of criminal charges but also in civil cases. Civil defense liability coverage ensures that you are shielded from the financial fallout of a lawsuit.

This includes damages awarded to the injured party, legal fees, and other associated costs.

In the aftermath of a self-defense incident, the last thing you want is the added stress of facing a lawsuit that could have severe financial implications.

The civil defense liability coverage from USCCA is a proactive measure that safeguards your financial well-being, allowing you to focus on the legal proceedings without the constant worry of potential financial ruin.

Up Front Money

Immediate access to funds is a critical aspect of dealing with legal matters. USCCA recognizes this and provides upfront money to cover your legal expenses. This ensures that you have the necessary resources to secure legal representation, gather evidence, and build a solid defense right from the outset.

The availability of upfront money is a game-changer in the realm of CCW insurance. It acknowledges the urgency and unpredictability of legal proceedings, offering practical support when you need it the most. This feature sets USCCA apart by providing not just theoretical coverage but tangible assistance at a time when time is of the essence.

In my assessment, the inclusion of civil defense coverage, civil defense liability, and upfront money in USCCA’s offerings demonstrates a holistic approach to self-defense.

It’s not just about financial protection but about ensuring that you have the tools and resources needed to navigate the legal complexities and potential financial burdens that may arise after a self-defense incident.


In the unfortunate event of being arrested after a self-defense incident, USCCA steps in to cover bail expenses. This is a critical component of the coverage, as it ensures that you don’t have to bear the financial burden of securing your release from custody.

Immediate access to funds for bail is not just a matter of convenience; it’s about preserving your freedom while legal proceedings unfold.

USCCA’s commitment to covering bail expenses is a testament to its understanding of the immediate challenges individuals may face after a self-defense incident. By providing this coverage, USCCA ensures that you can return to your normal life while preparing for the legal battles that may lie ahead.

Per Diem

Legal proceedings, especially those related to self-defense incidents, can be protracted and emotionally draining. To ease the financial strain during this period, USCCA offers a per diem allowance.

This financial support is designed to cover your daily living expenses, allowing you to maintain some semblance of normalcy even when dealing with the challenges of a trial.

The per diem allowance is a thoughtful inclusion in USCCA’s coverage, recognizing that the aftermath of a self-defense incident is not just about legal battles but also about the practical aspects of daily life. It’s a measure that demonstrates a genuine concern for the well-being of members during what can be a trying time.

Training and Resources

USCCA goes beyond just providing financial protection; it is deeply committed to the education and training of its members. Membership includes access to a wealth of training materials and resources aimed at enhancing your knowledge and skills related to self-defense.

From instructional videos to informative articles, USCCA’s training and resources are invaluable for both beginners and experienced gun owners. The emphasis on education aligns with the association’s mission to foster responsible gun ownership.

The more informed and trained you are, the better equipped you become to handle the complexities of self-defense scenarios.

What’s Not Included With USCCA?

While USCCA offers comprehensive coverage, it’s essential to be aware of what is not included. The coverage does not extend to illegal activities, intentional wrongdoing, or acts of self-defense outside the scope of the law. This clarity ensures that members understand the boundaries of the coverage and encourages responsible and lawful self defense behavior.

By explicitly stating what is not covered, USCCA maintains transparency and helps members make informed decisions. It reinforces the association’s commitment to promoting responsible gun ownership and operating within the legal framework.

In essence, USCCA’s coverage extends beyond financial protection, encompassing practical support, education, and clear guidelines on responsible conduct. It’s a holistic approach that acknowledges the multifaceted nature of self-defense and empowers members to navigate these complexities with confidence.

USCCA vs Other CCW Insurance 

When considering your CCW insurance options, it’s crucial to assess how USCCA stacks up against other providers. Here’s a detailed comparison to help you make an informed decision:

AspectUSCCACCW SafeSecond Call DefenseACLDNUS Law ShieldRight to BearFirearms Legal Protection
Membership LevelsGold, Platinum, EliteDefender, Defender Silver, Defender GoldDefender, Protector, Ultimate ProtectorMembershipDefender, Protector, Ultimate ProtectorDefender, Guardian, PatriotProtector, Defender, Ultimate Protector
Coverage LimitsUp to $2,000,000Up to $2,000,000Up to $1,000,000Unlimited indemnificationVaries by planUp to $1,000,000Up to $2,000,000
Bail CoverageYesYesYesYesYesYesYes
Per Diem AllowanceYesYesYesYesYesYesYes
Training ResourcesExtensive library, online coursesTraining AcademyVideo Library, Training CoursesNoEducational resources and eventsEducational resources and eventsYes
Civil Defense CoverageYesYesYesYesYesYesYes
Up Front MoneyYesYesYesYesYesYesYes
Transparent ExclusionsClearly outlinedClear exclusionsClear exclusionsDetailed explanation of coverageClear exclusionsClear exclusionsDetailed explanation of coverage


This expanded comparison provides a more comprehensive view of how USCCA stacks up against other well-known concealed carry insurance providers. The nuances in coverage limits, training resources, and transparency regarding exclusions should aid individuals in making an informed decision based on their specific needs and preferences.

As you can see above, USCCA’s top competitor is CCW Safe which offers very similar packages and perks.

While each provider has its strengths, USCCA’s balanced approach to coverage, training, and community support remains a standout feature in the market.

Key Features

The US Concealed Carry Association (USCCA) is known for offering a comprehensive set of features and benefits to responsible gun owners. Here are the key features that set USCCA apart:

Membership Levels: USCCA provides various membership levels, including Gold, Platinum, and Elite, allowing individuals to choose a plan that aligns with their budget and coverage needs.

Coverage Limits: Depending on the chosen membership level, USCCA offers coverage limits up to $2,000,000, providing financial protection in the event of legal challenges arising from a self-defense incident.

Bail Coverage: USCCA covers bail expenses, ensuring immediate access to funds for securing your release in the aftermath of a self-defense incident.

Per Diem Allowance: To ease the financial strain during legal proceedings, USCCA offers a per diem allowance, covering daily living expenses.

Training Resources: USCCA insurance stands out by providing a wealth of training resources, including instructional videos, online courses, educational materials, and they even hosted a concealed carry expo. This emphasis on education aims to enhance the knowledge and skills of gun owners.

Civil Defense Coverage: USCCA’s coverage extends to civil defense, offering protection in the event of lawsuits seeking monetary damages resulting from a self-defense incident.

Up Front Money: Immediate access to funds is crucial. USCCA provides upfront money to cover initial legal expenses, ensuring you can secure legal representation from the outset.

Community Support: USCCA fosters a community of responsible gun owners, providing a platform for members to engage in discussions, share experiences, and support one another.

Transparent Exclusions: USCCA clearly outlines exclusions, ensuring members are aware of the limitations of coverage, such as intentional wrongdoing or illegal activities.

Comprehensive Self-Defense Education: Beyond insurance, US Concealed Carry Insurance is committed to educating its members. The association offers a diverse range of training materials, seminars, and online resources to enhance gun safety and responsible ownership.

Flexible Membership Upgrades: USCCA allows members to upgrade their membership level at any time, offering flexibility to adjust coverage based on changing needs or preferences.

Legal Support: USCCA provides unlimited legal coverage for criminal defense, ensuring members have legal representation from experienced attorneys specializing in self-defense cases.

These features collectively make USCCA a standout choice for individuals looking for more than just insurance. USCCA’s commitment to education, community support, and comprehensive coverage makes it a holistic solution for responsible gun owners navigating the complexities of self-defense scenarios.

Pros and Cons of USCCA


  • Extensive Coverage Options: USCCA provides a range of membership levels, allowing users to choose a plan that suits their budget and coverage needs.
  • Community and Training Resources: The inclusion of training materials and a supportive community sets USCCA apart, fostering responsible gun ownership.
  • Affordable Membership Levels: With options like Gold, Platinum, and Elite, USCCA ensures that self-defense coverage is accessible to gun owners with various budgets.


  • Limited Coverage for Intentional Wrongdoing: While USCCA covers a broad range of scenarios, intentional wrongdoing is excluded. This limitation emphasizes the association’s commitment to responsible gun use but may be a consideration for some.

In weighing the pros and cons, USCCA emerges as a compelling choice for individuals who prioritize responsible gun ownership, comprehensive coverage, and access to a community that values education and training. The cons are minor when compared to the overall benefits, making USCCA a standout option in the realm of concealed carry insurance.

Final Verdict

After a thorough exploration of the US Concealed Carry Association (USCCA) and its offerings, my final verdict of this USCCA review is a resounding endorsement for responsible gun owners seeking comprehensive self-defense coverage.

USCCA not only provides financial protection through its various membership levels but also stands out with its commitment to education, training, and community support.

The tiered membership options, namely Gold, Platinum, and Elite, allow individuals to choose a plan that aligns with their budget and coverage needs. The coverage details, including bail, per diem, civil defense, and upfront money, demonstrate a holistic approach to concelead carry insurance.

USCCA’s emphasis on responsible gun ownership is reflected in its transparent exclusions, limiting coverage for intentional wrongdoing.

The inclusion of extensive training resources, from instructional videos to online courses, sets USCCA apart as a valuable resource for enhancing knowledge and skills. The supportive community further contributes to a sense of camaraderie among responsible gun owners.

While no CCW Insurance policy is without its limitations, USCCA’s overall package makes it a standout choice for individuals serious about their safety. The combination of financial protection, education, and community support makes USCCA an investment that goes beyond traditional insurance.


Is USCCA only for experienced gun owners?

No, USCCA welcomes gun owners of all experience levels. The association provides educational resources and training materials suitable for beginners and seasoned enthusiasts alike.

Can I upgrade my membership level?

Yes, USCCA allows members to upgrade their membership level at any time. This flexibility ensures that your coverage can be adjusted to meet changing needs or preferences.

How does USCCA compare to other CCW Insurance providers?

USCCA distinguishes itself with a balanced approach, offering comprehensive coverage, extensive training resources, and community support. The comparison with other providers reveals USCCA’s strengths in coverage limits, training options, and transparency regarding exclusions.

What’s included in the training resources?

USCCA’s training resources include a diverse range of instructional videos, online courses, and educational materials. Topics cover firearm safety, marksmanship, legal aspects of self-defense, and more.

Can I access community support as a USCCA member?

Yes, USCCA fosters a supportive community where members can engage in discussions, share experiences, and learn from one another. The community aspect adds a valuable dimension to USCCA membership.


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