9 Best Identity Theft Protection Services of 2026

Aura packs more into its entry plan than most rivals. The Individual plan, at $12 per month on annual billing or $15 monthly, already includes 3-bureau credit monitoring with near real-time inquiry alerts, an instant credit lock, home and auto title monitoring and $1M in identity theft insurance. Dark web monitoring covers SSNs, passports, registered online accounts and 401k or investment accounts. On top of the identity tools you get antivirus, a VPN, a password manager and data removal requests to more than 425 data brokers and people search sites. The Family plan is the reason households pick it: 5 adults, unlimited kids and unlimited devices for $32 per month billed annually, with $5M of insurance, child credit freezes and parental controls. The downsides are the jump in price if you pay monthly and the overlap with security software you may already pay for. Restoration is handled by a U.S. based fraud remediation team.

Allstate Identity Protection gives households the widest price ladder in the category. The Identity Restoration plan costs $3 per month for one person or $6 for a family and covers full-service restoration, a case tracker and $25K of identity theft expense coverage, with no monitoring. Essentials at $9.99 adds 1-bureau credit monitoring and identity monitoring, Premier at $17.99 adds transaction monitoring of cards and bank accounts, social media monitoring and $1M in expense coverage, and Blue at $19 adds 3B credit monitoring, cybersecurity for devices and up to $1M for stolen 401k and HSA funds. Every family plan covers you plus 10 members, which Allstate puts as low as $3.28 per person on Blue. Dark web monitoring is not in the cheaper tiers, so families who want those alerts should start at Premier. The comparison page is long and footnoted, which makes picking a tier slower than at Aura or LifeLock.

Identity Guard is a sensible pick when price matters more than extras. The Value plan costs $90 for the first year, or $8.99 monthly, and already includes dark web monitoring, data breach notifications, high risk transaction monitoring, bank account, card and 401K monitoring, home and auto title monitoring, USPS address change alerts and $1 million of identity theft insurance with white glove fraud resolution. What Value lacks is credit monitoring. For that you step up to Total, from $19.99 per month, which adds 3-bureau credit monitoring, a monthly credit score and an Experian credit lock, or Ultra from $29.99. Family plans cover 5 adults and unlimited kids. The pricing page shows more than one discount for the same plan, so read the first-year and renewal lines before you pay. Safe browsing and a password manager are included, though Aura's security bundle goes further.

LifeLock sorts its plans by how much reimbursement you want. Core costs $124.99 a year, or $12.49 monthly, and includes dark web monitoring, breach alerts, a credit and payday loan lock, 2-bureau credit monitoring, alerts on 2 bank or card accounts and up to $1.05M in identity theft reimbursement with $25K for stolen funds. Advanced, at $199.99 a year, moves to 3-bureau monitoring and adds $5K of scam reimbursement and up to $100K for stolen funds. Total, at $349.99 a year, raises the cap to $3M with up to $1M for stolen funds and $10K for scams. Every plan includes automatic data broker removal every 90 days and 24/7 phone support. The family versions cover 2 adults and up to 10 kids, from $344.99 a year for Core. The catch is price: matching Aura's 3-bureau monitoring means buying Advanced, and the family Total plan is the most expensive option on this list.

Experian's membership is the best place to start if credit is your main worry. The free plan shows your Experian credit report and FICO Score and includes Experian Boost, with no credit card required, though dark web checking is only a one-time scan. Core, at $4.99 per month, adds Experian CreditLock with real-time alerts, fraud resolution specialists, lost wallet help, dark web surveillance and up to $100K of identity theft insurance. Plus at $14.99 raises insurance to $500K and adds money tools such as bill negotiation and cash advances. Premium at $24.99 is the full protection tier: Equifax and TransUnion reports and FICO Scores, up to $1M of insurance, regular privacy scans with automatic removal, Social Security tracing and financial account monitoring. Yearly billing saves up to 17%. The weakness for households is that the pricing page shows no family plan, and full 3-bureau coverage costs more than Aura's Individual plan.

IdentityForce, run by TransUnion, is built around monitoring and a hands-on recovery service. The UltraSecure plan, at $19.90 per month after a 30-day trial or $199.90 a year, includes 24 x 7 dark web monitoring with risk scores for each hit, a personalized identity safety score and action plan, advanced fraud monitoring, phishing and botnet monitoring, a dedicated restoration specialist, a mobile VPN, PC protection and $1MM of identity theft insurance. UltraSecure+Credit, at $34.90 per month or $349.90 a year, adds 3-bureau credit monitoring and alerts, daily TransUnion reports and scores, quarterly 3-bureau reports and $2MM of insurance. You can cancel at any time and get a pro-rated refund for unused service. The value problem is plain: the entry plan has no credit monitoring and costs more than Aura's Individual plan, which includes 3 bureaus. Credit services also need you to verify your identity first, or they do not switch on.

Equifax Complete is the bureau's own answer for people who want credit monitoring with some identity protection added. The base plan costs $9.95 per month or $99.95 a year and covers one adult with Equifax credit monitoring and alerts, an Equifax credit report lock and identity restoration services. Premier, at $19.95 per month or $199.95 a year, adds 3-bureau credit features, extra ID theft protection features and personal data removal from more than 100 people search sites. The Family Plan, at $29.95 per month or $299.95 a year, gives 2 adults the Premier features and adds Equifax credit monitoring for 4 kids, and Equifax says the dark web is monitored for your Social Security number. The product pages are thin on insurance limits and other detail compared with Aura or LifeLock, so check the plan terms. Single-bureau monitoring on the base plan is the main limit.

IdentityIQ splits its service into four Secure plans that differ mainly in credit coverage. Secure Basic offers daily 1-bureau credit monitoring, dark web and internet monitoring, SSN alerts, synthetic ID theft protection, change of address monitoring and $1 million in stolen funds reimbursement. Secure Plus adds annual 3-bureau reports and application monitoring, which IdentityIQ says scans more than 250,000 databases. Secure Pro moves to 3-bureau monitoring with bi-annual reports, and Secure Max adds monthly 3-bureau reports and scores, a score simulator and family protection with dark web and SSN monitoring for up to 10 dependents and $25,000 identity theft insurance per family member. Restoration is U.S.-based and can work with a limited power of attorney. VPN and antivirus are paid add-ons. We could not confirm a clear USD price from our location, so the price is marked pending; check the plans page before you buy.

PrivacyGuard keeps things monthly and modular. Identity Protection, at $9.99 per month, scans public sites and the dark web and watches your SSN, driver's license, passport, bank accounts, cards, USPS address changes and public records, with a dedicated ID fraud resolution agent, lost wallet protection and $1 million of ID theft insurance. Credit Protection, at $19.99, focuses on triple-bureau reports, score tracking and daily monitoring. Total Protection, at $24.99, combines both and adds children's Social Security number monitoring, a credit score simulator and medical records reimbursement. Plans auto-renew monthly, which suits anyone who does not want an annual contract. The downsides are cost and household reach: full coverage costs more than Aura's annual Individual plan, and the plans page shows no plan for several adults.