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CCW Safe VS USCCA: A Comparison

ccw safe vs uscca

I have thankfully never had to use self-defense insurance like CCW Safe or USCCA before, so, it's kinda hard for me to say “which is better, USCCA or CCW Safe?” in any kind of authoritative manner.

What I can try to do, however, is answer this question: Which self-defense insurance company is best based on facts found on each prospective website, our own chart, and other, lesser known information?

Before we get to the lesser known stuff, let's get the chart out of the way so you can visually compare the benefits that each company offers to their members:

uscca vs ccw safe

This chart is current as of 5/2/19

As you can see from the above chart, the two companies are very comparable on many of the core benefits as well as the pricing structure. There are a few points, however, where they diverge.

For example, CCW Safe offers you $100,000 in bail coverage under the shown plan while USCCA offers $50,000.

Then again, flipping it a little bit, USCCA offers $750/day compensation while in court with CCW Safe giving $350/day. Will you ever need the extra money with either benefit?

What you have to do is figure out what is important to you, and know that both companies will take care of you should the unthinkable happen.

I can't make the choice for you, that is up to you. It is my hope, however, that by reading this to the bottom, you'll hopefully be able decide for yourself: CCW Safe VS USCCA–which brings me to my next point in a roundabout sort of way.

I don't want to go any further without saying that USCCA and CCW Safe aren't the only companies who offer coverage should you need legal protection after you defend yourself. We have put together the industry standard chart comparing the major players.

If you are seriously considering self-defense legal protection, as you should, use our chart to compare the programs before making the choice.

Now let's take a look at each company in turn and find out some things that cannot be shown on a chart.

CCW Safe:

CCW Safe was started by police officers. In fact, co-founder and CEO Mike Darter wanted to start CCW Safe based on the fact that he was involved in a police shooting that resulted in a lawsuit.

That lawsuit was eventually thrown out, but that experience led to the creation of CCW Safe.

The reason why is because police officers have a certain amount of protection that doesn't carry over into civilian life. Once he left the department he realized that he was no longer covered.

That kind of experience, by the way, is exactly what I'd be looking for in a company I'd want defending me. At the end of the day, experience gets results.

In addition to their experience, you get compassionate people willing to actually do their job.

While we can't speak to the specifics, someone we know who had used CCW Safe to defend against a lawsuit said that he made the call to the company, they answered, and had people on the ground not long after that first phone call.

We're told from that person that the CCW Safe Critical Response Team is unparalleled in that regard.

Not impressed? How about the fact that this person was also a member of two other legal programs, the call took place on a major holiday, AND CCW Safe is the ONLY company who answered the phone?

Well, that's not entirely true. One other company did answer the phone, but said they'd call back the next day due to the holiday.

How nervy is it when a business is based around the lawyer having a phone in his pocket, supposedly willing to answer a phone call and come to you right away but then it doesn't happen when you need them the most?

After you've been involved in a critical incident and you're paying hundreds of dollars per year for a service, you expect that company to fulfill what they said they'd do–drop what they're doing and help you.

That's what CCW Safe apparently did for that person, while the others, who will remain unnamed for now, were of zero help at all.

We've talked to several other people who used CCW Safe and they were blown away by the level of service and extreme lengths they went to to make sure everything was taken care of.

To date, they're the only self-defense legal protection program who can say they helped someone get acquitted through a murder case.

That person, Steve Maddox, shared his story and the various ways that CCW Safe came to his aid in an interview we recently did with him. Click here to read, or listen below, but I can tell you CCW Safe was boots on the ground within 12 hours, renegotiated his severance when he had to leave his employer, hired private investigators & expert witnesses, and did other things that frankly will SHOCK you if you look into it.

In summary, this is all stuff you can't put into a chart. This company goes through extreme efforts to put people on the ground to get someone through a court case, going above and beyond.


USCCA is no slouch, either. The great thing that most people never think about, is that USCCA is more than just “concealed carry insurance.” Yes, they will cover you and have covered others in a true self-defense incident, but they do more than that.

They offer a more tangible product than the other companies do, in the form of their magazine and training.

While that may not be a big deal to some, think about it from my perspective for just a moment, if you will–

If you sign up for some sort of legal coverage for self-defense with any other company, you could pay thousands of dollars over the course of your life and never need to use it.

I mean, that's the hope, right? Personally, I'd rather not have to use my gun in self-defense but that chance is always there and I am willing and quite able to do so if needed.

The point, is that you'd pay thousands of dollars and never get anything in return for it. Peace of mind is great, but I'm talking about a tangible good.

Not so with USCCA.

With USCCA, you also get their magazine, something you won't get with anyone else. While many people scoff at this and some folks may not even read it, it's something tangible that members get.

The magazines are actually decent, and it does help offset the price to physically get something eight times per year.

Another benefit of the magazine, is a roundabout sort of thing–

I've heard some stories of people forgetting that they had coverage after their use of a gun in self-defense. If you're getting a magazine a few times per year, it also serves as a reminder that you can call up USCCA if you need them.

USCCA also has great customer support and their training is excellent.

In summary, one of the things we love most about USCCA is the magazine and other content-related benefits from a company that does extensive training. Again, there's more to it than we can fit in the chart we put together.


So, who is better, USCCA or CCW Safe? I can't answer that for you. What I can say, is that they're both great and that you need to use one of them, or any comparable company listed on our chart. Here's why:

You have auto insurance in case you're ever in a car accident. You have homeowner's insurance in case a tree falls on your house or some other unforeseen disaster occurs.

Doesn't it make sense to protect yourself after you've protected yourself? Pulling your gun out could be the easy part. The hard part is keeping yourself out of jail in an increasingly anti-gun world.

The cost of doing so, the cost of remaining a free American in this world is astronomical. A recent story I heard cost $300,000 to keep the legal gun owner out of jail. I, personally, don't have that kind of cash sitting around. Do you?

Offsetting the cost with a monthly self-defense legal coverage plan like USCCA or CCW Safe just makes sense.

Chances are fantastic that you'll leave the house and not get into a car accident. Chances are phenomenal that a tree will never fall on your house. Chances are staggering that you'll never have to use your gun in self-defense of yourself or family. But …

… what if?

You can find out more information about USCCA and CCW Safe by pushing either of those links.

The full chart has a lot more information on it, comparing many of the other companies in this self-protection legal coverage space. You can view it, here.

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40 Responses to CCW Safe VS USCCA: A Comparison

  1. Richard G Combs May 5, 2019 at 12:17 am #

    A fair comparison, thanks! My one quibble: Concealed Carry Magazine is more than just “decent.” It’s one several industry awards (that’s from the magazine publishing industry, not exactly a hotbed of gunnies) and is top-quality in terms of graphics, layout, etc. The content is also first-rate. I read each issue cover to cover (yes, even the special section in each for women), and I’ve learned a great deal by doing so.

    • Richard G Combs May 5, 2019 at 12:18 am #

      Oops, I meant “won,” not “one.” Too big a hurry.

  2. Ernest Bodoh May 7, 2019 at 7:37 am #

    So, a little confused. In one area (50 state coverage) you say both USCCA and CCW is available. Yet, two rows down in Available Nationwide, you state USCCA in not available in NY & WA. What’s the difference?

    • Jacob Paulsen May 7, 2019 at 8:30 am #

      50 State coverage means that if you are a member you are covered in all 50 states but despite that, residents of NY & WA cannot be members. So if you live in PA, for example, you can join USCCA and you will be covered in NY. But if you live in NY you cannot join USCCA at all. Whereas CCW Safe can be joined by a resident of any state and also will cover all members in all 50 states

      • A L Cottrell June 7, 2019 at 11:43 am #

        Thanks for the insight regarding coverage. I’ve been a member of USCCA for a number of years and love Concealed Carry magazine. However, I only recently learned (and your chart proves it) that as a resident of New York State, I no longer have coverage under USCCA’s program. To the best of my recollection, I was never even notified that I was no longer eligible for coverage because of my residency. It’s good to know there is an alternative.

  3. KORBET FINLEY May 7, 2019 at 3:10 pm #

    Joshua Gillem, can’t thank you enough for your added insights to the analysis. I like getting the magazines, myself, although the quality of the content seems a bit pale in comparison to some other long standing magazines (for instance Shooting Illustrated). I like to leave the magazines in the house so that the family knows “Dad is serious about this stuff,” …and he is. Appreciate you guys more than words can say. Thank you again!

  4. Michael Hessen May 24, 2019 at 2:48 pm #

    So if bells and whistles with peace of mind is what you want get USCCA & If You Want unlimited help to stay free get CCWSafe ?

    • Daniel July 25, 2020 at 11:06 am #

      That is correct! Additionally, the chart in the article has a glaring error. CCW Safe also allows you to choose your own attorney. If you do not have a preference, then they will recommend one in your area that has experience in self defense cases.

      • Jacob Paulsen July 25, 2020 at 5:23 pm #

        The CCW Safe membership agreement clearly says they can choose your attorney. In practice CCW Safe allows the member to chose the attorney and CCW Safe either approves or denies the member’s choice. The chart is accurate in that regard and the CCW Safe executive team reviewed and approved the chart.

        • Shane August 15, 2020 at 11:31 pm #

          They allow you to choose your attorney provided that attorney is qualified to their standards. If your cousin is a divorce lawyer for instance, they aren’t going to pay him to defend you on a murder trial. They want their members to have the best possible representation. That’s why they do it. And frankly, they’re experts in self defense law. So if they aren’t willing to pay an attorney because of his qualifications then I don’t want to be depending on that attorney to get keep me out of prison. Even if it is my cousin.

  5. Darren May 30, 2019 at 9:06 am #

    It was in 2018 that I asked but a slight correction to your chart. I asked CCW safe about lawyers. While they do admit they have a list of lawyers you’ll have to use, they did say that if you have a lawyer you want to work with locally to you, you are more than welcome to let them (CCS Safe) know and the would work to see if that lawyer would be willing to go through CCS Safe’s vetting. If your lawyer agrees and passes the vetting, your lawyer will then be added to their list of available to you if you ever need CCW Safe.

    • Jacob Paulsen May 30, 2019 at 9:51 am #

      Darren, I’ve reviewed their agreement and spoken with their Founders and lead legal counsel about it. On paper their agreement clearly states that they have to approve or provide your attorney. They will not cover you if you choose any attorney you want. You have to get an attorney they either recommend or approve of. So I think you and us are on the same page about what their policy is and how they act in practice but for the purpose of our chart putting something that suggests you can choose your attorney potentially creates a false impression since on paper you cannot and in practice you may or may not be able to have the attorney of your choice.

  6. Travis Ramsey June 7, 2019 at 12:53 pm #

    I have CCW safe at the $129/year level. I’ve been a member for 2 years now. They do have some good videos and info available. You can tell that, at least at my plan level, they try to cut costs in order to keep fees low. For example, I don’t get a wallet card so I print my membership number with their emergency phone number on it. My plan is up in September and I just looked at their site and $149 seems to be the cheapest, so it may go up when I renew. I do like USCCA’s training videos though.

  7. Mike Rehmus June 7, 2019 at 1:37 pm #

    After listening to Andrew Branca about this type of insurance, there are a lot of gotcha’s in the fine print. Things like if you are convicted of a crime, the civil insurance coverage goes away.
    I’d like someone to review the actual contracts and produce a comparison page covering what coverage can disappear when things go sideways.

    • Jacob Paulsen June 10, 2019 at 7:49 am #

      I suggest watching Andrew’s DVD or online course called “Self Defense Insurance Explained” if you haven’t already. Andrew has reviewed all the agreements from these 2 companies and hasn’t turned up any big gotchas.

  8. Stephen Martin June 23, 2019 at 3:54 pm #

    What does “ongoing attorney access” mean? The chart says USCCA has it and CCW-Safe does not. Exactly, how does that difference work?

    • Jacob Paulsen June 24, 2019 at 7:51 pm #

      Stephen, the idea is that you could contact that company at any given time with a legal question and they would have an attorney on staff or otherwise on contract that could respond to your question. USCCA doesn’t have attorney’s on staff for that purpose but they have a team who will research your question and if unable to come to a clear conclusion they will contact an attorney on your behalf and get an answer for you. I’m not aware of that being a common request or something they do with any regularity but their membership agreement does say it is available. CCW Safe actually does have at least 2 attorneys on staff (that I know of) and it would seem from experience that if you sent them a legal question they would be likely to respond but it isn’t listed in their membership agreement as a benefit.

  9. Sam Estes July 7, 2019 at 1:46 pm #

    I have three questions, first is this type of insurance policy governed by State Insurance Regulations, second what is the ratio of reserves to pay claims?Third Is this a defense coverage for criminal prosecutions or is it strictly for civil? I’m shopping. Thank You

  10. Jorge July 21, 2019 at 1:35 pm #

    I serve on a Church Security Team as an armed security member. I am former Law Enforcement, have a current CCW & Armed Security card. If I was involved in a self defense situation, while acting in this capacity, would CCW Safe and/or USCCA provide coverage? Thank you…

    • Jacob Paulsen July 22, 2019 at 8:31 am #

      Jorge, it is not our intent to help people decide which would be better for their situation. We feel both companies are ethical and will do what they say. I suggest using the above information and the information in our chart at to compare the coverage and make the best decision for you.

    • Tim August 27, 2019 at 8:28 am #


      I looked at the same issue on USCCA’s site earlier this year and found the exact same questions asked of them. Their response was if you were a paid member of the church’s security team USCCA personal insurance didn’t cover you. If you were a member of a voluntary group providing security as a church member USCCA’s insurance would cover you.

      • Adam W August 28, 2019 at 4:04 pm #

        I’ve corresponded with them both on this:

        CCW Safe – only the Ultimate Plan covers volunteer security (unpaid) at house of worship.

        USCCA – all plans cover volunteer security at house of worship.

        Once you are paid, you are no longer volunteer security and neither covers you.

        I’ll also note the following points I found important:
        -Criminal defense funds are unlimited with CCW Safe, capped at 250K with USCCA;
        -Civil Defense funds are unlimited in CCW Safe, whereas with USCCA it is shared with Civil liability, together capped at $2M (prob enough? don’t know).
        -The attorney choice issue has been covered and favors USCCA. I’ll say that I emailed CCW Safe for name of attorneys in my area that are in their network and I was happy with it.
        -USCCA provides attorney phone support for random questions and a LOT of benefits (training videos, magazine) that you will definitely benefit from whereas 99.9% of us will never have to use the insurance benefit part of it. So how important are these to you?

        I’m preferring CCW Safe due to the unlimited defense coverage funds, I can take care of the training and education on my own from other sources I pay for.

  11. David Whaley August 9, 2019 at 12:06 am #

    What is, ”ongoing attorney access ”?

    • Jacob Paulsen August 9, 2019 at 8:26 am #

      The idea that if you have an legal inquiry you can contact the provider and they will have an attorney answer your question. So basically access to an attorney ongoing outside of an incident.

  12. ted August 30, 2019 at 11:48 pm #


    • Jacob Paulsen September 12, 2019 at 8:25 am #

      Yep. But they give you a discount if you pay for the full year in advance.

  13. Don Balsamo August 31, 2019 at 3:54 pm #

    Would either plan cover an arrest for carrying under LEOSA (legally)? Also would either or both plans cover for a section 1983 lawsuit?

    • Jacob Paulsen September 1, 2019 at 4:27 pm #

      CCW Safe has plans specifically for LEOSA covered individuals. All the founders and executive team are former law enforcement so they have membership plans designed for that specifically.

  14. Eddie Wells October 16, 2019 at 12:32 pm #

    Which plan do you use Jacob?

    • Jacob Paulsen October 16, 2019 at 2:01 pm #

      Eddie, as the President of I do not make public what plan I use because as a company it is important to us that remain neutral and non-bias. Telling everyone what plan(s) I am a member of would make it hard to maintain our neutrality.

      • Eddie Wells November 8, 2019 at 8:05 am #

        Appreciate your honesty and integrity. Have enjoyed your podcast for many years.

  15. John Koller May 8, 2020 at 3:40 pm #

    USCCA (and most others) are insurance, CCW Safe (& US Law Shield) are defined benefits plans.

    The challenge with insurance is that if you are not acquitted, they don’t cover you for civil and if you check the most recent USCCA agreement changes you could be compelled to reimburse them for your defense. This includes plea bargains.

    Defined benefits do not have the reimbursement requirements.

    Please read the agreements. They are available on most of their sites.

  16. chicagopizza May 19, 2020 at 9:08 am #

    Not entirely true concerning CCW Safe’s 50-state coverage. My brother is a resident of WA state (Seattle area) and he cannot obtain CCW Safe there. He just sent me a copy of the letter he received from them stating that, with additional comments by CCW Safe that they are fighting the state for the right to have coverage there. What else do you expect from an ultra blue state.

  17. Bill Friedlander May 24, 2020 at 8:36 pm #

    Can I pay yearly fee for the “PLUS” protection plan utilizing “PAY PAL”?
    Do you have a preferred attorney for the Las Vegas/Henderson, Nv. area?
    Thank you.

    • Jacob Paulsen May 25, 2020 at 2:43 pm #

      Bill you would need to contact those providers directly to inquire about payment methods and their preferred attorneys.

  18. John June 24, 2020 at 5:56 pm #

    I have coverage from both company’s. The mid level from USCCA and the Retired L.E. coverage from CCWSAFE. Each offers a couple things the other doesn’t. I’m a member of my church security team. CCWSAFE does not cover that, USCCA does. CCWSAFE has unlimited attorney fees as well as unlimited costs on Expert witnesses and Private Investigators. A court case can cost more than USCCA covers. It’s worth it to me to have both, and both will work with each other. I carry a firearm with me everywhere I go. In 45 + years of being armed, I’ve never had to shoot anyone. I pray I never have to, but if the worst does occur, I want to know I won’t lose everything I’ve worked for and don’t want to do time.

    • Kevin C July 27, 2020 at 10:15 am #

      I was curious about this as well and wondered if the two companies would work together or not if services were needed. I don’t think I would be able to afford both at this time, but that seems the way to go to ensure best case coverage. Stay safe!

  19. Dan July 6, 2020 at 8:24 pm #

    Check out ACLDN, alot more cut and dry without all the add ons that do not amount to nothing

  20. NLA September 6, 2020 at 12:11 pm #

    One thing that concerns me about the unlimited coverage with CCW Safe is how unlimited is it? Do they cut off coverage depending on what needs to be covered? Are there limits?

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