USCCA Review [2018]: Why I Chose Them Over NRA Carry Guard

Still looking for the perfect holiday gift? Check out our Best Gifts for Gun Lovers [All Budgets]!

Wow, there’s a lot of CCW insurance providers now.

And like you…I wanted to make sure I had the best.

I feel it’s one of those things that if you really need it…you want to make sure you have the best.

USCCA Membership
USCCA Membership

Well…I guess there’s my seal of approval!

Read on to learn more about why I chose USCCA and how they compare to other insurance companies such as NRA’s Carry Guard.

*Update July 2018: I’m still a paying member…plus USCCA reached out to give a huge gift for my readers.  Get my Beginner Handgun course ($67 value) for free whenever you buy any full-year USCCA package.  Details at the end.

Table of Contents


What Exactly is Concealed Carry & Self Defense Insurance

I only became aware of the entire concept of concealed carry insurance earlier this year after USCCA gave out free t-shirts at SHOT show.  I would have forgotten…but their emails do not let you forget.

So Many Emails
So Many Emails

But hey…super effective since I ended up buying the insurance and writing this article!

So what exactly is this kind of insurance?

Basically…if you defend yourself with a gun (or other weapon), you’re going to be in a big mess…even if it was justified.

Insurance comes in to help with bail, civil/criminal defense, lost wages, etc.

Chances are you’ll never have to use it.

But if you’re carrying…there’s that slight possibility.  And we’ve all seen what happens to people who go on trial for self-defense (It’s Not the Odds, It’s the Cost).

And it’s not a pretty sight.

At least now you might not have to go into bankruptcy and wreck your family.


Next thought I had was…ok, so there’s that slight possibility of a world of hurt…how much does it cost to alleviate it and protect my loved ones?

*Update 10/17/2017: They have updated their protection levels to Gold, Platinum, and Elite.

USCCA has 3 tiers of protection:

  1. Gold (Up to $600,000 in protection) at $22/month
  2. Platinum (Up to $1,150,000 in protection) at $30/month
  3. Elite (Up to $2,225,000 in protection) at $47/month

Not bad…at least at the lowest tier.  That’s like two boxes of 9mm a month.

Next up, let’s see what you really get.

What You Get in USCCA’s Self Defense Shield

I’m not some insurance pro, and if you’re in the market for this stuff always do your own research and read the actual fine print for whatever insurance product you end up getting.

Let’s walk through each of these using the Platinum plan (since it’s closest to the NRA plan):

USCCA Plans, as of 10/17/2017
USCCA Plans, as of 10/17/2017
  • $1,000,000 in Civil Suit Defense, Civil Suit Damages, Firearm Theft
    • What they’ll pay up to in civil cases
  • $150,000 in Criminal Defense Protection
    • Up-front payment (important) for attorney’s retainer
  • $25,000 / $250,000 Bail Bonding
    • The asterisk says “Reflects 10% of the face amount of the bond.  For example, $25,000 reflects a $250,000 bond.
    • It’s my understanding you’ll only get 10% of the bond (whatever it is), and only up to $25,000 which would mean a $250,000+ bond.
  • Hardship, Psychology Support, & Compensation
    • Costs to help with what happens due to the incident and court proceedings

Let me know if I goofed anywhere too!

Cunningham's Law
Cunningham’s Law

Still with me?

USCCA Self Defense Shield vs NRA Carry Guard

It’s insurance right?

So I definitely compared the rates and coverage vs some other guys.  In this case I went with the 2nd biggest (or at least 2nd best marketed) player…the NRA’s Carry Guard.

I always knew NRA had some insurance program…that wasn’t the greatest according to almost everyone.

But its new Carry Guard made a big splash…but not for being revolutionary.  But for how NRA dis-invited USCCA from its 2017 Annual Meeting where they announced their new insurance.

NRA Kickout
NRA Kickout, TheFirearmBlog

Not the classiest thing…but I can understand the business behind it.

How do the two compare (USCCA Platinum vs NRA Gold)?

USCCA vs NRA Comparison, Updated July 2017
USCCA vs NRA Comparison, Updated July 2017

Let’s break down the big points in my opinion:

  • Price: $30/month or $347/year (USCCA) vs $31.95/month or $359/year (NRA)
    • First thing that bothers me is that you save peanuts when you go for a year…so I signed up for monthly myself.  Second, they are roughly the same for all their different levels.  Slight Edge to USCCA.
  • How Much Protection: $1,150,000 (USCCA) vs $1,000,000 (NRA)
    • Pretty close too for their respective tiers.  Looks like USCCA’s $1,000,000 civil is added plus its criminal while NRA’s is lumped together.  Edge to USCCA.
  • Criminal Defense Payout Method: 100% up front (USCCA) vs 20% up front and 80% if not guilty (NRA)
    • This is a BIGGIE!
    • You’ll get 150K up front from USCCA for criminal defense while only 20% of $150K from NRA which only equals $30K.  Anything else you’ll have to pony up yourself.  And you won’t get anything else if you’re found guilty!  I’m all for punishing the actually guilty but that sucks…especially when USCCA doesn’t have that caveat.
    • Big Edge to USCCA.
  • Types of Weapons Covered: Legal weapons (USCCA) vs firearm only (NRA)
    • Another big one…USCCA will cover legal weapons such as knives, fists, bats, etc. while NRA is only your firearm.  I don’t carry my gun much but will carry other things, so this one was as big factor.
    • Edge to USCCA
  • Spousal Coverage: Yes for both, but USCCA is only inside the home.
    • For a while there was some discussion on whether it applied for NRA but now it seems it is indeed covered.
    • *2018*: For USCCA you can add on your same coverage for your spouse for $47/year.  That means everywhere in the US.
    • Previous edge to NRA since it has protection for your spouse outside of the home.  But now goes to USCCA because of the awesome bargain to add on your spouse for your same coverage for $47/year.
Mr. and Mrs. Smith
Mr. and Mrs. Smith
  • Attorney Network: All over 50 states (USCCA) vs no (NRA)
    • I’m mixed over this one since on one hand I’d like to know that there’s firearms attorneys ready to help…but I’m also afraid they might not be the best.  I like the option of having both.
    • Edge to USCCA.
  • Training: Yes to both.
    • I didn’t really research that much into this…but it looks like USCCA has some videos while NRA has it coming soon.  However, it does seem like NRA has in-person classes…but having their insurance might not be a prerequisite and you have to pay.
    • Remains to be seen…but edge to USCCA for having it up already.

Again, let me know if things have changed…yet again.

USCCA vs Others

Other Insurance Providers
Other Insurance Providers

I know a bunch of you are thinking right now…but I’ve got [other kind of CCW protection], how does it compare?!?

I tried going down the rabbit hole but got really lost.  I’ll leave it to you to research more.

Here’s some of the ones I’ve found.

  • Armed Citizens Legal Defense Network: A membership program where you pay into a fund that will pay your legal expenses.
  • CCW Safe: Technically not insurance but provides protection in the form of covering your legal defense with their team.
  • Second Call Defense: Pretty similar numbers but the up-front attorney retainer is lower (max is $10k).
  • Texas Law Shield: They have a network of their own attorneys across TX and some other states…but aren’t everywhere.  And they found themselves in some hot water with a class action suit.

Do your homework!

But here’s my thoughts on why I chose USCCA.

Why I Eventually Chose USCCA

  1.  It was the most well-known to me.  And the whole NRA thing had me rooting for the underdog.
  2.  Pretty much same price as NRA but with slightly more in overall protection.
  3.  Up front criminal defense protection instead of less up front and the rest only when you’re acquitted.
  4.  Ability to be covered with all legal weapons.
  5. Covered my wife at home which is all she needs.  She doesn’t carry out of the house…but the ability to add her on for $47/year is a great perk in 2018.
  6.  Attorney network + ability to choose my own.  Some of the other ones you’re forced to use their network.

Some Negatives

I’m very glad to not have actually used the insurance.  But off the bat there’s a flurry of emails.  So be ready for that…but it’s something that’s easily remedied with an unsubscribe.

Also, the tone of the videos and ads that now I’m bombarded on other sites (thanks retargeting) is always a scare tactic.

I get it!


I ended up with the cheapest Silver monthly plan from USCCA (now a legacy plan).  Check out all of them here.

And that’s because I know there’s the very small chance of me needing it, and I don’t carry most of the time anyways.  But I do like how it covers both my wife and me in the house.  And if she ever decides to carry out outside…it’s only $47/year.

What’s your take on CCW insurance…do you have USCCA or another one?

*Free Subscription to my Beginner Handgun Course

I caught the eye of USCCA with my review and they reached out to gift you my Beginner Handgun course ($67) when you purchase any full-year coverage.  Limited time only.

I cover everything you need to know about basic handgun use…from revolvers to semi-automatics.  With no attitude.

Gun Noob Course
Gun Noob Course

After you purchase any full-year coverage starting July 31, 2018, I’ll reach out via email within 2 weeks with a 100% off coupon code to my course.

Leave a Reply

58 Comment threads
58 Thread replies
Most reacted comment
Hottest comment thread
71 Comment authors
Jerry BolserInquiring MindEric HungEricRJ Forester Recent comment authors
newest oldest most voted
Notify of
Jerry Bolser
Jerry Bolser

I have been a Life Member of the NRA for over 20 years. I belong to USCCA for several years. I was under the impression that my spouse ( domestic partner) would need a separate full member ship. We both carry and have been together over 6+ years. When I contacted USCCA to upgrade, I was informed of my new cost per month. When asking about my partner I was told her membership would be covered for a small one time fee per year and I would receive a senior discount off the reg. cost. Whenever I call they are… Read more »


Eric, Great article but has anyone actually analyzed the avg cost of a “case” when someone is a shooter? I purchased the Platinum coverage and even called USCCA to ask them what was the cost of the “average case” when I was deciding. CS reps said they did not know but sure that someone at USCCA does as this is how the monthly/annual rate is set. CS Reps offered to give me some lawyers in the area to ask this question. Don’t get me wrong as I think USCCA has lots of benefits to offer but I also would love… Read more »


Just to understand , you have to bond yourself self out of jail and pay a retainer to an attorney. Basically, the same things in dealing with the courts now.

walter mclaughlin
walter mclaughlin

Unfortunate that USCCA does not offer memberships in NRA. At least offer as an additional/

Monte Walsh
Monte Walsh

Eric, great job as always!
I’m a member of both organizations. We use USCCA for CCW coverage and NRA for Instructor coverage. I wish USCCA would provide that as well, NRA quite frankly is pretty lame. I’ve received varied answers to coverage questions and they really danced around with answers to others.