Best Concealed Carry Insurance 2026: Comparison Charts

When it comes to picking CCW (concealed carry weapon) insurance, the options can be a little overwhelming. 

Just like any other type of insurance though, it’s always a good idea to check out the offerings of a few companies before deciding on which policy to go with.

Luckily, we've gathered the best of the best to help you narrow down the choices and find out which insurance is right for you when you're carrying a CCW.

Plus in-depth standalone reviews of our top choices.

Followed up by a quick description of what all the legalese means.

How We Chose the Best CCW Insurance

Our team of a practicing attorney, licensed insurance agent, and journalist started this article with a list of all insurance companies on the market that offer concealed carry insurance.

From there, we began digging into specifics like cost, plan, and extra features like access to training or online learning opportunities. Each insurance company was then assigned a rating based on benefits and coverage.

We then ranked the insurance plans and compiled them into our list here. For comparison on each company's specific rating for each category, scroll down to the Comparison Charts section below.

CCW Insurance Comparison Charts & Analysis

The insurance companies we looked at were rated side-by-side on cost, plan, and perks.

Cost

Each plan offers its own pricing and the chart below is a look at what each base level plan costs at a monthly and annual level.

Plan

Though we evaluated each company's base-level plan, several of the companies we reviewed offered more than one plan, allowing users to tailor coverage to their needs. Below is a list of each company's total plan offerings for personal coverage.

Perks

Perks include additional benefits like access to e-learning or in-person training opportunities and extra coverage like red flag coverage or lost wages that are included in the base plan. Note: this is not comprehensive, just a short list of benefits we think are useful.

Mulit-State Coverage

Important Coverage Types

Civil...criminal...what? These legal terms you'll see below can be downright confusing. Here's a quick overview of what they mean and why you want to be protected.

Criminal Defense

Even if the shoot was good, you'll possibly still be charged with a crime.

If you don't want to go to jail you'll probably want a criminal defense attorney specializing in firearm self-defense. Most of the plans allow you to select your own so you aren't stuck with the lowest bidder.

Civil Defense

Concealed carry insurance offers protection against liability claims resulting from using a firearm for self-defense in a civil claim. Some plans also protect against using any other legal object.

We also cover if plans offer coverage upfront or merely reimburse (not good), as well as other things:

• attorney fees
• bail bonds
• lost wages

And don't forget civil damages...what's paid if you lose a civil lawsuit.

Bail Bonds

Bail comes up several times and it's an agreement to show up in court for a certain amount of money.

Bail bondsmen typically charge 10% of the bond upfront for their service, and this is what most plans cover. Example: if you have a $1,000,000 bond, the plan will cover the required $100,000.

Best Concealed Carry Insurance

Worth noting before we start that all of these options focus on the lowest tier of pricing. Many of these companies offer multiple plans, so if these don't cover what you want, consider upgrading to a higher-level plan.

1. CCW Safe - Editor's Pick CCW Coverage

Editor's Pick CCW Coverage

CCW Safe

$19

at CCW Safe

Prices accurate at time of writing

$19 at CCW Safe

CCW Safe is a well-established and time-tested CCW coverage plan.  

One of the biggest draws for CCW Safe is that there is NO LIMIT on the amount of criminal or civil defense.

Plus, you don't have to worry about getting dropped from coverage as long as you are in a covered location where you have "admissible evidence" of self-defense or the self-defense of others.

Put this together with no reimbursement even if you're found guilty and you've got a winning combo.

As for payments, CCW Safe has up front payment for defense (because who has a couple hundred grand to drop) as well as $750 to $1000 daily to offset your loss of income depending on the plan.

Coverage Details:

The most popular Defender plan that does require a valid CCW license:

• States Covered: Coverage not available in NJ, NY, and WA.
• Monthly Cost: $19 (Annual Cost: $209)
• Civil Defense Coverage Limit: No limit
• Criminal Defense Coverage Limit: No limit
• Bail Amount: $1,000,000
• Lost Wages Compensation: Up to $750/day
• Additional Benefits: Access to 24-hour hotline, Red Flag Law coverage up to $5K, Firearm replacement (if applicable), Up to 10 licensed professional counseling sessions, Crime scene cleanup

Yup...we have a full review of CCW Safe too that covers all the other plans...such as ones for retired MIL/LEO, Constitutional Carry states, or home coverage only.

2. Right to Bear - Most Flexible Plan

Most Flexible Plan

Right to Bear Legal Coverage

$19

at Right to Bear Insurance

Prices accurate at time of writing

$19 at Right to Bear Insurance

If you like options and some flexibility, Right to Bear presents a decent option for those looking to be insured.

Offering a single budget-friendly tier at only $19 a month or $205 a year, Right to Bear makes a CCW self-protection plan achievable.

And...use code PEWPEW10 to knock it down 10% to $185.

They've also upgraded their plan to be unlimited for both civil and criminal court. And if you're found guilty in criminal court, they won't claw back the amount.

They also have some other great features, such as online training, psychological support, expert witness coverage, and industry discounts.

And something that I just found out and isn't on their Features list (but is on their Education tab) is that they'll replace your gun if it is taken after a self-defense incident.

If you're looking for extras like spousal insurance, bail-bond coverage, minor coverage, or multi-stage coverage, those are add-ons you can add on to your individual plan...making it our most flexible plan option.

And something new this year is their family plan for $425 or $40/month for 2 adults and unlimited minors. It's hidden a little bit but you can find it here when you sign up:

Coverage Details:

• States Covered: Coverage in 47 states (no NJ, NY, and WA) with multi-state add-on for $4.35 per year
• Monthly Cost: $19 (Annual Cost: $205), use code PEWPEW10
• Criminal Defense Protection: No limit
• Civil Defense Protection: No limit
• Multi-State Coverage: $4/Month ($35/Year)
• Bail Bond Coverage: (Up to $100,000) $35/Year
• Minor Household Children: $4/Month ($35/Year)
• Additional Benefits: 24-hour emergency hotline, Training and educational content, Discount to industry partners, Gun replacement, 40 counseling sessions

See our full review of Right To Bear here, and don't forget PEWPEW10 for 10% off.

3. USCCA - Best Educational Content & Coverage

Best Educational Content & Coverage

USCCA Membership

$39

at USCCA

Prices accurate at time of writing

$39 at USCCA

One of our team's favorite option isn't technically insurance.

However, they are the biggest player whenever someone thinks about "concealed carry insurance."

But rather, it is a membership where you get tons of education and have personal liability insurance a part of your membership.

A little confusing...but I go over it ALL in my USCCA review. And if it helps...I've been a member since 2017!

I'll go over what tier to get, a breakdown of all the courses you get, and how to get a free course from Pew Pew Tactical as well.

They had a big update in June of 2024, which increased their bond expenses, added red flag coverage, and clarified plea deal coverage plus recoupment.

Coverage Details

• States Covered: Coverage not available to NJ, NY, and WA.
• Monthly Cost: $39 (Annual Cost: $399)
• Liability Insurance Limit: $2,000,000 annual aggregate
• Defense Expense: No Limit
• Cost of Bail Expenses: $250,000 of funds. A $2,500,000 bond usually costs $250,000 or 10% of the total.
• Incidental Expenses: $20,000
• Red Flag Coverage: Up to $15,000 in attorney fees and expenses
• Actual Loss of Earnings: Up to $10,000
• Additional Benefits of Membership: Universal gun cleaning kit, interactive online training and educational content, USCCA qualifications with online + in-person training Level 1, Concealed Carry Magazine archive for 1 year

Will USCCA Drop You If You're Convicted of a Crime?

There was a lot of fear that USCCA would drop you quickly if you were convicted of a crime. So now they added that if you take a plea deal that doesn't involve a "crime of violence" you're ok.

Examples include murder, aggravated assault, kidnapping, arson, robbery, extortion, and unlawful possession of a firearm.

Impartial Coverage Determination

Before, it was up to the insurance company to determine whether what you did was self-defense.

Now, the insurance company is required to grant you coverage if the judge allows the argument to be made in court and your attorney believes there's a good-faith self-defense claim.

Plus, coverage will continue until there's a final non-appealable finding of guilt.

USCCA In-Person Training

USCCA has tons of instructors all over with their most popular course being the Concealed Carry and Home Defense Fundamentals.

I recently had the chance to take their AR-15 Fundamentals class which was phenomenal and geared towards beginners, however the Pew Pew Tactical team still learned a bunch!

Plus...new signups with our link get a free access code to our video Beginner Handgun course.

Get the rest of the details here.

4. Attorneys On Retainer (AOR) - 50-State Law Firm

50-State Law Firm

Attorneys On Retainer (AOR)

$37

at Attorneys On Retainer

Prices accurate at time of writing

$37 at Attorneys On Retainer

A newer entry to our list but one that's getting lots of positive attention.

Attorneys On Retainer (AOR) is exactly what it sounds like...you're not buying an insurance police, but you're literally hiring the only law firm that specializes in self-defense in the nation.

This model ensures full attorney-client privilege and legal decisions guided by qualified lawyers. With 24/7 support and significantly fewer exclusions, it provides a level of reliability that traditional policies simply cannot match.

There’s also a one-time $100 non-refundable sign-up fee…but use code PEWPEW for $50 off individual plans, or $25 off family ones ($75 regular one-time fee).

Criminal Defense Coverage Details

If a self-defense incident lands you with a felony or misdemeanor charge, AOR has your back...provided you genuinely and reasonably claimed self-defense or defense of someone else. This decision is also made by lawyers and not someone from an insurance firm.

On felony cases, they assign four trial attorneys to your corner.

Everything is covered: attorney fees, expert witnesses, investigators, court costs, travel, and even the out-of-state appearance fees that allow your AOR attorney to represent you no matter which state the incident occurred in.

Also different from other plans is that AOR will cover you even if:

• You were in a gun-free zone
• Your CCW permit was expired or invalid (in a non-constitutional carry state)
• You were impaired by drugs or alcohol
• You’re a prohibited possessor
• You used an illegal weapon
• The incident involved a negligent discharge during the act of self-defense
• You take a plea deal
• It’s deemed a domestic violence situation

Civil Defense Coverage Details

AOR will represent you if you’re sued in civil court after a self-defense incident. That includes attorney fees, expenses, pro hac vice costs, and travel.

Civil coverage is included with all plans and not an add-on or more expensive plan.

Other Coverage

• Bail bond: up to $50,000 toward a secure bond (up to $500k posted value) or $50k cash-only bond
• Firearm replacement: $1,000 if your firearm is confiscated
• Scene cleanup: $4,000
• Mental health counseling: up to 10 sessions ($1,500)
• Red flag / ERPO proceedings
• Record sealing & expungement
• Retrial coverage
• Victim advocate representation

Check out our full review of AOR here. It's great if you live in New Jersey, New York, or Washington, and you prefer a legal defense model that's not tied to an insurance policy or exclusions.

5. Firearms Legal Protection (FLP) - Best Bail Coverage

Best Bail Coverage

Firearms Legal Protection

$17

at Firearms Legal Protection

Prices accurate at time of writing

$17 at Firearms Legal Protection

Firearms Legal Protection is not technically insurance...it's a pre-paid legal plan that covers your legal defense costs from self-defense situations.

They also pay attorney fees directly so you don't have to wait for reimbursement.

However, they aren't as widely available as some of the other plans, and in some states they are still deemed insurance products.

However, one big negative is that FLP picks the local lawyer to represent you...if you want your own you'll have to cough up your own expenses.

Coverage Details:

• States Covered: Membership not available to residents of NJ, NY, WA, OR, MA, AK
• Monthly Cost: $17/mo for Individual Basic (TX, varies by state)
• Additional Spouse Coverage: Family options available
• Civil Defense Coverage Limit: Unlimited
• Criminal Defense Coverage Limit: Unlimited
• Bail Amount: Up to $2,500,000
• Accidental Shooting Protection: $50,000
• Additional Benefits: Mobile app, defense of Red Flag Laws, & help with expungement of criminal record on non-conviction incidents

6. Second Call Defense - Most Affordable Plan

Most Affordable Plan

Second Call Defense

$15

at Second Call Defense

Prices accurate at time of writing

$15 at Second Call Defense

Second Call Defense sits right in the middle, offering decent coverage limits. They aren’t the best, but also not the worst.

Like some of the better plans, Second Call Defense offers upfront payments of all your covered fees, such as attorneys’ fees. So, you don’t have to shell out the money yourself for bail or during the trial.  

The coverage also ranks right up there with the big boys and covers the entire US in their standard plan.

As a middle-tier offering, the criminal defense coverage is on the lower end, as is the bail amount. Of course, this is pretty much expected going in.

However, it does grant coverage with accidental shootings...and is the cheapest of the bunch per month.

Coverage Details:

• States Covered: Membership not available to residents of NJ, NY, and WA, or U.S. territories.
• Monthly Cost: $14.95/mo
• Additional Spouse Coverage: $5/month
• Civil Defense Coverage Limit: Unlimited
• Criminal Defense Coverage Limit: Unlimited
• Bail Amount: Up to $1,000,000
• Accidental Shooting Protection: $50,000
• Additional Benefits: Gun retrieval or replacement, 24/7 emergency legal hotline, education and training, local attorney referral in 24 hours.

How to Choose the Best CCW Insurance For You

This is where you get the favorite answer of lawyers everywhere...it depends.

While it seems like a cop-out, it really does depend on what you want, and what you think you’ll need.  

Even the staff here at Pew Pew Tactical have gone with different providers to suit our individual needs, ranging from USCCA to Right to Bear and CCW Safe. 

The main thing is that you get some type of insurance, rather than none at all.

Ultimately, just like choosing any other insurance policy, try to see which of these plans seem like they would fit you the best, and check them out in detail.

We even have a couple of reviews on some of the providers, to help you make a more informed decision - if you haven't read those, take a look at our USCCA and CCW Safe reviews.  

Even at around $20/mo for a typical CCW insurance policy, the money adds up, and could easily be spent on ammo instead, so it’s a good idea to be sure you know what you are getting for your money.  

Everyone’s situation is different, and someone in a free state like Texas may want to consider a policy that provides more coverage than someone living in the heart of New York City.

It’s also important to note that not all the policies we compared are available in all states. There are varying insurance and firearms regulations across the 50 states, so it never hurts to pick a few options just in case your top choice isn’t available in your home state.  

Why Trust Pew Pew Tactical

This article builds upon research conducted by licensed and practicing attorney and Pew Pew Tactical contributor Paul Yen who went through the plan contracts and chose the top performers.

Editing and adding to the article is Pew Pew Tactical CEO and Founder Eric Hung. Eric is a licensed insurance intermediary in 48 states (sorry, New Jersey and New York) who cross-compared the different insurance liabilities and educational content of each plan.

He's also an NRA-certified pistol instructor and a USPSA/3-Gun/NRL22 competitor. Eric has also researched and written over 250 articles on firearms and gear.

Editor-in-Chief Jacki Billings runs our experienced team of reviewers. She is a member of the Society of Professional Journalists, ACES: Society for Editing, and the Professional Outdoor Media Association. Jacki has a bachelor’s degree in journalism and has worked as a media professional for close to 20 years, specializing in gun media for almost 10 years.

She uses her professional journalism and editing experience to set testing protocols and editorial standards for Pew Pew Tactical.

Final Thoughts

While everyone’s got their own views on insurance policies, at the very least, consider coverage limits and bail amounts when shopping around.

At the end of the day, it all comes down to your situation and what works best for you. But, again, any insurance plan is better than none at all.

Was there a CCW Insurance that we didn't cover? What CCW insurance did you choose? Let us know in the comments! If you're looking for a new CCW gun, take a look at the Best CCW Guns!

CA #4272012

LATEST UPDATES

• May 2026: Added Attorneys On Retainer and Firearms Legal Protection programs
• June 2025: Added state coverage
• May 2025: Expanded on CCW Safe details and shifts in rankings
• September 2024: Expanded on how we tested and evaluated each insurance company
• July 2024: Added additional information to USCCA and CCW Safe.