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CCW Safe Review for 2023: The Best?

Is CCW Safe the best concealed carry insurance you can get? We dive into its coverage limits and compare it against other providers.

    Is CCW Safe the best concealed carry insurance product?

    Once the excitement of getting your CCW permit wears off, you’ll probably want to start thinking about getting insurance for that pocket rocket you’ve got strapped to your belt.  

    With lots of offerings like USCCA and Right to Bear, there are plenty of options for all types of coverage at a range of prices.

    One thing to keep in mind, however, is that all of the CCW coverage policies will have some type of coverage limitation, whether it’s a dollar amount for the attorneys’ fees for your legal defense or the specific type of situations where you will be covered.

    Let’s go over the pros and cons of CCW Safe so you can make the best decision.

    Table of Contents


    Ensure You’re Insured

    It’s always better to be safe than sorry, and it never hurts to have CCW insurance of some type, in the off chance that you’ll one day find yourself in a self-defense situation where you must discharge your firearm.

    The last thing you want to be thinking when defending yourself from a deadly threat is whether you’ll be able to afford the legal fees that follow.

    Waste Money
    Fun Coupons

    With other insurance policies, if you find yourself in court after a self-defense shooting, you’ll be covered up to limits such as $2,000,000 for civil defense, and $250,000 for criminal defense, depending on your plan.

    But no limits with CCW Safe.

    Here’s the details for the starter Defender plan:

    • Monthly cost – $19/mo
    • Civil defense coverage limit – no limit
    • Criminal defense coverage limit – no limit
    • Bail amount – $1,000,000
    • Lost wages compensation – $250/day

    These numbers go up if you get the Constitutional or Ultimate plans.

    While these amounts sound like a lot (and they are), those of you unfortunate enough to have any experience with lawsuits will know that legal expenses can add up VERY quickly.

    That’s where, at least for me, CCW Safe comes in.

    Why CCW Safe is Great

    CCW Safe differs from the other insurance companies in a few important ways though:

    1. No Limit for Criminal Defense

    One of the main things to point out is that CCW Safe does not actually place a limit on the dollar amount available for criminal defense.  This is a huge deal and ultimately what sold me on their plan. Even with a policy under the other guys, you are capped eventually, when you reach into the realm of around $2,000,000.

    Of course, it’s always possible you will never need that much money for your legal defense.  But then again, if you’re unlucky enough to be in a shooting…

    2. Emergency Hotline & Support

    Another big draw of CCW Safe is that while they offer an emergency hotline you can call after a shooting.

    Just like all the other insurance plans out there, the company will also fly out members of their critical response team to you, to offer someone experienced in the use of deadly force in self-defense settings to help you through your situation.  

    In addition to the benefit of having experience on your side, it’s sometimes also just nice to have in-person support, especially after something as traumatic as a shooting, even if it was in self-defense.  

    3. Choose Your Own Attorney

    While all CCW insurance companies offer attorney representation or at least reimbursement for attorneys’ fees, CCW Safe lets you pick your own attorneys, so you can make sure you end up with one who is actually experienced in self-defense cases.  

    If you don’t have a preference, they can recommend someone to you as well.

    Oh, and by the way, one of the main attorneys working for CCW Safe also represented George Zimmerman.  Yeah. That guy.

    Zimmerman Shocked
    My legal defense would’ve cost me WHAT??

    4. No Reimbursement If Found Guilty

    CCW Safe does not and has never sought recoupment. That means if you’re found guilty or have to plead to a lesser offense, they don’t claw back reimbursement of defense costs like others.

    5. Not Actually Insurance

    CCW Safe isn’t actually insurance! 

    The company is technically a “legal service membership plan,” which is a fancy way of saying you have a membership to their legal expertise, not just their ability to pay your legal defense fees.  

    It still has the funds to cover your legal defense if you ever need them, of course, but their focus is on providing legal services, not just paying for them.

    Why does this matter?  

    Because a CCW Safe plan isn’t insurance, it isn’t underwritten by a traditional insurance company.  

    Instead, the company is self-funded, through membership fees and investments of those fees. The benefit of this is that it is not subject to the insurance licensing and tax policies a typical insurance company has to follow.

    It also means that if the big insurance companies ever start to cave to the anti-2A gun grabbers and drop self-defense type policies, CCW Safe will be able to continue to provide coverage, while the more traditional insurance companies may begin to run into issues.

    However…you’re out of luck if you’re in Washington state.

    But That’s Not All

    Now there’s the added benefit of $5000 defense for stand alone red flag laws and up to $10,000 for the Ultimate Level.

    Red Flags
    Red Flags

    And if it’s a red flag case associated with a covered self-defense case…it’s covered 100%.

    New for 2023…up to $15K for funeral costs as well.

    Let’s Talk Numbers

    Of course, nothing in life is free.  

    And even if you could get something for free, coverage for legal defense is probably something you should fork out a little money for.  

    Really, though, if you’re trying to decide how much you’re willing to spend, there are a ton of plans offered by CCW Safe, ranging from the Home Defense Plan for those of you who will never carry outside the home, to the different levels of their more typical “Defender” and “Ultimate” plans.  

    CCW Safe 2023 Plans
    CCW Safe 2023 Plans

    The less expensive of the two, the Defender plan, starts at just $19/mo, and lets you add on additional benefits like spousal coverage (you supply your own spouse, unfortunately), increased bail limits, etc. that you think you will need.

    Woman with AK
    Unrelated pic of a supermodel with a gun. Please enjoy.

    There are tons of options to add on, and really, it all comes down to what level of coverage you are personally comfortable with.  

    For guys like me, it’s easier to just go the easy route and get the Ultimate plan, which provides every type of coverage offered, plus a T-shirt and challenge coin.  Love me some challenge coins.

    The Ultimate plan is only available in a yearly installment of $519 which comes out to ~$47 a month.

    Don’t Forget!

    Of course, just because CCW Safe is my preferred CCW insurance plan, doesn’t mean it’s the right one for you.  

    Do your homework, and be sure to check out other CCW insurance companies to see what your options are.

    We now have an article covering all of their pros/cons in Best Concealed Carry Insurance Comparison.

    Even with the main benefits of CCW Safe pointed out above, some people may prefer to go with another company, and that’s perfectly fine.  

    The main thing is to make sure you pick what is best for you and your family, so you aren’t caught off guard if you are ever unfortunate enough to find yourself in the aftermath of a self-defense situation.  

    And make sure you leave some money for ammo and range time to practice practice practice!

    What did you end up choosing? 

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    19 Leave a Reply

    • Commenter Avatar
      John Graham

      What is most important to me is that if a firearm incident occurs, I can speak directly to a CCW or USCCA attorney (lawyer licensed in my state) immediately on a 24/7 number. I am not looking to speak to a recording or a help center person that cannot immediately put me in touch with an attorney. If I have to fire my weapon, I need to speak to an attorney asap so they can tell me what to say and do even BEOFRE I speak to the police - this is vital. So my question, which of these companies provides for IMMEDIATE phone call access to a licensed attorney in my state (or state of incident)?? Thank you!

      May 29, 2023 9:43 am
    • Commenter Avatar
      Steve Miller

      OK. I'm currently a USCCA Gold user who is concerned about their ability to recoup their payments should you be found guilty while using a gun in a legit self defense situation. Leaving my financial well being in the hands of a judge or jury is worrisome. On the other hand. I like CCW Safe Defender plan at $19/month. They won't try to recoup payment if found guilty, but I'd have to pay an additional $20 a month to get civil damages covered. Your thoughts appreciated. Thanks

      November 30, 2022 1:38 pm
    • Commenter Avatar
      Gene Leninger

      any coverage for loss of gun or damages ?Id pay a little extra for that . my car insurance is less then what I'm paying now, makes sense .what about you ?

      June 7, 2021 5:30 pm
    • Commenter Avatar

      Jeez, I feel like the sweet spot of CCW insurance already passed. I remember when CCW safe was $100 bucks a year with their 5 year plan. That makes sense, low cost for peace of mind. Now it costs enough to think twice, and it's only getting expensive-er. And just wait until it's made mandatory! What odd times we live in.

      May 17, 2021 10:48 am
    • Commenter Avatar
      John A Bird

      I live in Montana and do a lot of travelling from state to state and still not sure which insurance would be better for me. Any help out there would be appreciated.

      May 2, 2021 6:03 pm
      • Commenter Avatar
        Paul Yen

        Hi John, you may want to check with the different companies you are interested in to see what states they provide coverage. Different staff members here at PPT have gone with CCW Safe and USCCA, and have liked their choices, so if you haven't already, feel free to check out those articles as well. At the end of the day, it's usually a good idea to have any type of insurance rather than none at all. Hope that helps!

        May 13, 2021 7:02 pm
    • Commenter Avatar
      Bruce A craig

      Is CCW Safe insurance valid in NYS? I was told there was no insurance available in NYS for the legal use of a gun for self defense.

      July 13, 2020 7:48 am
      • Commenter Avatar

        You might want to reread the article... CCW Safe ISN'T insurance.

        September 13, 2020 12:46 am
      • Commenter Avatar

        NY, NJ and WA do not allow carry coverage.

        April 30, 2021 5:00 pm
      • Commenter Avatar
        Matthew Temkin

        Only for active or retired law enforcement.

        September 10, 2022 7:20 pm
    • Commenter Avatar

      CCW Safe's home defense option only protects you in the home, not in any other self-defense scenario where you may possess a weapon legally on private property, but without a CCW permit, such as at a friend's house or vacation property.

      February 16, 2020 11:58 pm
    • Commenter Avatar
      ronald testman

      Hi , my name is Ron i'm a retired correctional officer living in New York City , could I get carry insurance through CCW residing in NYC ?

      December 6, 2019 8:41 pm
      • Commenter Avatar
        David, PPT Editor

        I would recommend calling them directly, NY has some odd laws that require an expert's answer.

        December 7, 2019 2:37 am
    • Commenter Avatar
      randy c

      I am glad I found CCW. NY State has forbidden the regular insurance companies from operating here. Given the fine review of CCW and the comparison with the other companies, I would probably have chosen CCW anyway.

      September 28, 2019 11:22 pm
    • Commenter Avatar

      CCW Safe is my choice

      September 9, 2019 6:13 pm
      • Commenter Avatar

        I’m debating between ccw safe and tx law and shield

        September 9, 2019 10:49 pm
        • Commenter Avatar

          tx law shield doesnt cover nearly as much. It ONLY pay lawyer fees. Not other associated costs with a trial.

          January 8, 2020 5:31 pm
    • Commenter Avatar

      I started with uscca but quickly switch to ccw. They cover more for cheaper and the roots of the company started by law enforcement. Also will mention they have already proven they will win.

      March 25, 2019 1:08 pm
    • Commenter Avatar
      Richard Hyman

      Great read and interesting to read an opinion in support of another CCW "Insurance" (contrasting Eric Hung's article reviewing USCCA). You guys are actually the reason I carry insurance (went with USCCA) but I definitely like to read and learn more as you never know when better protection is available, maybe even a better price. Thanks for the info! PS: Thanks for the unrelated Supermodel pic. Guns and gals are always a great pairing and make reading more enjoyable!

      February 27, 2019 11:02 am
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