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| Plan Details |  Defender |  Gold |  Individual |  Discover |
|---|---|---|---|---|
| Program Structure | Legal ServicesLegal-services subscriptionA defense-focused subscription with multiple plans for different eligibility requirements. | Insurance BenefitsMembership with insurance benefitsMembership combines self-defense liability insurance benefits with education and training. | Insurance BenefitsMembership with insurance benefitsIndividual and household memberships with optional benefits you can add to the base plan. | Legal DefenseState-specific legal defense programA legal defense program with a network of program attorneys and state-specific options. |
| Monthly Base Price | $19/month | $39/month | $19/month | $24.95/month |
| Annual Base Price | $209/year | $399/year | $205/year | $299.40/year |
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| Coverage Territory | 47 StatesMember benefits in 47 states; the agreement controls incident eligibility. | National CoverageNational coverage is advertised, subject to the insurance policy. | Multi-State Add-OnMulti-state protection is a separate add-on on the Individual plan. | Home StateSelf-defense incidents in the state of residence, subject to the state agreement. |
| Criminal & Civil Defense | No Cap ListedNo cap listed on covered criminal and civil defense expenses. | No Limit AdvertisedProvider advertises no-limit defense expenses, subject to the policy. | Upfront DefenseAccess to upfront legal defense for covered incidents under the policy. | No Limit AdvertisedProvider advertises no limits, caps, or deductibles on attorney fees for covered events. |
| Civil Liability / Damages | $1 Million Add-OnOptional civil liability: $220/year or $20/month for $1 million. | IncludedSelf-defense liability insurance included; check the current policy for limits and exclusions. | IncludedAssociation self-defense liability policy; request the current policy and limits. | Verify Civil DamagesCivil representation is advertised. Do not assume civil damages are included; request the agreement. |
| Bail / Bond | $1 Million$1 million bond benefit. Terms apply. | Check Policy LimitBail bond coverage advertised; check the policy for the applicable limit. | $100,000 Add-OnIndividual add-on: $4/month or $35/year; up to $100,000 in bail-bond expenditures. | Optional Add-OnOptional bail-bond and expert-witness benefits; state availability varies. |
| Fees & Plan Eligibility | Permit RequiredCCW permit required for this plan. Optional benefits cost extra. | Gold MembershipGold membership. Other tiers and household additions cost more. | Base Individual PlanBase Individual plan. Add-ons and any enrollment fee are extra; verify checkout total. | $24.95 Start-Up FeeIndividual carry plan; optional benefits cost extra. |
| Household Benefits | Spouse & ChildrenSpouse and children under 18 have in-home benefits. Broader spouse benefits cost extra. | Spouse DiscountSpouse memberships are available at a discount; confirm household eligibility and cost. | Separate Family PlanSeparate family plan lists $40/month or $425/year. Check household definitions. | Household OptionsDual memberships and minor-children options are advertised; confirm state terms. |
| Education | Education ResourcesEducational resources; compare individual plan benefits. | Qualification Level 1150+ video episodes, 30+ guides, and Qualification Level 1. | Training ResourcesEducation and training resources included with membership. | Member ResourcesLegal updates, educational events, and member resources. |
| Read Carefully | Check EligibilityDefender requires a CCW permit. Civil liability is a separate add-on. Other plans have different eligibility rules. | Review ExclusionsInsurance terms control whether an incident qualifies. Compare exclusions and attorney-selection conditions, not just training tiers. | Compare Add-OnsMulti-state and bail benefits cost extra on the Individual plan. Compare the complete checkout total and the current policy. | Check State AgreementBase carry plan; verify state terms and optional benefits. |
| Sources | ||||
| Last Checked | ||||
| Provider Website | ccwsafe.com/compare-plans | usconcealedcarry.com/membership | protectwithbear.com/plans | ww2.uslawshield.com/member-signup |
States Not Covered lists residency restrictions; coverage while traveling may differ. Add-ons and fees may cost extra. Confirm eligibility and current terms with the provider. How We Compare
FAQ
What Does CCW Coverage Include?
Benefits vary by plan. Compare criminal and civil defense expenses, civil liability, bail, attorney selection, and exclusions separately. The policy or membership agreement sets the terms for each benefit.
Is CCW Insurance the Same as a Legal Membership?
Programs use different structures. Some memberships include insurance benefits; others provide legal-defense services under a membership agreement. Check which organization provides each benefit and which document governs it. Our guide to insurance and legal memberships explains the differences.
Can I Join Without a CCW Permit?
Some plans require a permit, while others have options for eligible people who carry without one. Select your permit status in the form to narrow the table, then confirm the plan’s eligibility requirements directly with the provider.
Does Coverage Follow Me to Another State?
Check the plan’s incident territory separately from its residency requirements. The States Not Covered row lists residency restrictions. Travel benefits may have different conditions or require an add-on; confirm the terms for the places you expect to visit.
Can I Cover My Spouse or Children?
Family plans, spouse upgrades, and in-home benefits differ. Check who qualifies as a household member, where benefits apply, and whether each person needs separate enrollment. Our family and travel guide covers the questions to ask.
Why Might My Final Price Be Different?
The table shows the base price for the selected plan, with a range where prices vary by state. Household members, optional benefits, enrollment fees, and billing frequency can change the total. Choosing a state updates prices and documented state terms; plans that are unavailable remain clearly marked. Until you choose a state, budget filters use the high end of a range. Annual-only plans are paid annually; the budget filter uses the annual price divided by 12 to compare costs.
Can I Compare Two Plans From the Same Provider?
Yes. Open Choose Plans and check each plan you want to compare. Every selected plan gets its own column. Your form answers filter the table, and selected plans that do not match stay selected so you can bring them back by changing your answers.
What Should I Look for Beyond Price?
Ask when legal expenses are paid, who chooses the attorney, what limits and exclusions apply, and whether repayment can be required. Check civil damages and bail separately from defense costs. Use the comparison guide to prepare questions for each provider.
Where Do the Comparison Details Come From?
Official provider plan, benefit, and enrollment pages are linked in the Sources row. Each plan’s review date appears in Last Checked. This comparison covers four providers and does not rank them or evaluate individual claim outcomes. Read our methodology for the full scope.
Does CCWCoverage.com Earn a Commission?
Independent comparisons. Provider links are direct links; we do not currently earn commissions from them.
See our affiliate disclosure for details.