When you carry a gun for concealed carry insurance protection, it’s important to be prepared for the legal aftermath of an incident. CCW insurance (often called CCW liability) provides coverage for the legal defense costs and other expenses related to defending yourself in a self-defense incident.

Like homeowner’s insurance or car insurance, CCW liability can help prevent financial ruin after a justified use of force incident. However, it’s not a get-out-of-jail-free card. You still have to do everything right in a self-defense situation to avoid criminal charges and civil lawsuits, including capturing clear video of the incident and clearly recording your recollections before giving a statement to police.

Concealed Carry Insurance: What Every Gun Owner Should Know

While most states don’t require CCW insurance, it is a smart investment for lawful gun owners who have the training and equipment to defend themselves in a self-defense incident. In fact, most gun owners rely on these policies to pay for the cost of experts and other trial expenses should they be charged with a crime or sued for using their firearm in self-defense.

We reviewed and compared the top options for concealed carry insurance to find which companies offer the best plan for your budget. Our ranking is based on price, available state coverage, and coverage limits. We also took into account which companies offer the most educational content. If you’re looking for a comprehensive, all-around option that offers the best value, we recommend Right to Bear. Their plans are affordable, include full civil and criminal coverage, and have no arbitrary coverage caps, unlike some other providers.