8 Best Identity Theft Protection of 2026

Aura makes the most sense when you are protecting a whole household. The Family plan covers 5 adults and unlimited children for $32 a month on annual billing, or $50 month to month, and every adult is backed by a $1 million insurance policy for eligible losses and fees. Monitoring spans all three credit bureaus with what Aura calls near real-time inquiry alerts, and it adds financial transaction alerts, home and auto title monitoring and an instant lock on the Experian file. If something goes wrong, a US-based White Glove Fraud Resolution team creates a remediation plan and stays with you until the issue is fixed. The same subscription bundles antivirus, a VPN, a password manager and removal requests to more than 425 data brokers, and the Family tier adds parental controls and spam call protection. The weak spots are the steep monthly price and a lock that covers only one bureau, so you should still freeze Equifax and TransUnion directly.

Allstate Identity Protection is built around restoration. Every plan, including a $3 a month restoration-only option, comes with what Allstate calls full-service identity restoration, meaning it manages the case from start to finish, plus a tracker to follow progress. The family plans are the draw for households: one plan covers you and up to 10 members, which Allstate says works out to as little as $1.73 per person per month on Essentials at $18.99. Essentials includes one-bureau credit monitoring, identity monitoring and $50,000 in stolen funds reimbursement. Blue, at $19 a month for one person or $36 for a family, moves to three-bureau monitoring and reports and adds cover such as up to $2 million for home title fraud and personal ransomware costs on a family plan, a stolen tax refund advance and 401(k) and HSA reimbursement. The catch is that the cheaper tiers watch only one bureau, so families who want full credit coverage should go straight to Blue.

LifeLock is the pick when the size of a potential loss worries you more than the monthly bill. Every tier includes up to $1 million for lawyers and experts, and stolen funds reimbursement climbs from $25,000 on Core to $100,000 on Advanced and $1 million on Total, which also lifts total coverage to $3 million per adult. Core monitors two credit bureaus and adds credit and payday loan locks, bank activity alerts for two accounts, dark web monitoring and automatic data broker removal. Advanced moves to three bureaus and adds $5,000 scam reimbursement, while Total adds 401(k) and investment alerts, home title monitoring and phone takeover monitoring. Households can buy plans for 2 adults or 2 adults with up to 10 kids, with Core for the larger group at $344.99 for the first year. Restoration is handled by US-based specialists. Prices are high once you add a second adult, and renewals can be charged up to 35 days before the term ends.

Identity Guard sells three tiers, each in individual and family versions, and its family plans cover 5 adults plus unlimited kids. Value, its Basic Identity Protection tier, is $8.99 a month or $90 for the first year on annual billing, and the family version is $14.99 a month. It monitors the dark web, high risk transactions, bank and card accounts, social media and USPS address changes, with $1 million identity theft insurance. Total, sold as Standard Identity & Credit Protection, adds the credit side for $19.99 a month individually, and Identity Guard's feature list includes three-bureau credit monitoring, a monthly credit score and an Experian credit lock. Ultra, its Premium Identity & Credit Protection tier at $29.99, is the only tier that includes white glove fraud remediation, which matters if you want someone to do the recovery work for you. The site shows several promotional first-year prices, and they renew at the full rate, so budget for the second year before you sign up.

Experian sells protection straight from one of the three credit bureaus. A free account shows your Experian report and FICO Score, and Core at $4.99 a month adds CreditLock, which lets you lock your Experian file whenever you need to and get real-time alerts if someone tries to access it, plus fraud resolution specialists, lost wallet help and up to $100,000 in identity theft insurance. Plus, at $14.99, raises insurance to $500,000 and adds cash advances and bill negotiation. Premium, at $24.99 a month, is the identity protection tier: it adds Equifax and TransUnion reports with FICO Scores, Social Security tracing, financial account monitoring, USPS address change checks, social network monitoring, regular privacy scans with automatic removal and up to $1 million insurance. Experian says yearly billing saves up to 17%. For households the drawback is that the comparison page lists no family plan, so two adults pay twice, which makes Premium dear next to Aura's family pricing.

Equifax Complete comes in three paid versions. The base plan at $9.95 a month alerts you to key changes on your Equifax report, includes up to $500,000 in identity theft insurance, automatic fraud alerts and dedicated ID Restoration Specialists who work on your behalf. Premier, at $19.95, adds three-bureau scores and monitoring. For households, the Family Plan at $29.95 a month is the one to look at: it shares Premier features with a second adult and creates, locks and monitors the Equifax credit files of up to 4 children, which is useful because a child's file is often a blank target. It also watches all three bureaus, scans for family members' Social Security, card, bank, medical ID and passport numbers on the dark web, removes data from more than 100 people search sites and carries up to $2 million insurance with up to $1 million stolen funds replacement. Scores are VantageScore 3.0 rather than FICO, and there are no partial month refunds when you cancel.

IdentityIQ splits its protection into four Secure plans. Secure Basic, at $8.49 a month or 15% less billed yearly, offers daily one-bureau credit monitoring, dark web and internet monitoring, SSN alerts, synthetic ID theft protection, change of address alerts and lost wallet help, all backed by $1 million identity theft insurance. Secure Plus adds application monitoring alerts and an annual three-bureau report, Secure Pro at $21.49 moves to three-bureau monitoring, and Secure Max at $31.49 adds monthly three-bureau reports, a credit score simulator and $25,000 in family identity theft insurance. Restoration is US-based, and specialists can work your case with a limited power of attorney, which lets them make calls and file paperwork for you. A VPN and antivirus are an optional add-on that raises each price. IdentityIQ fits single adults better than households, because the only family benefit is extra insurance on the most expensive tier rather than monitoring for each person.

PrivacyGuard keeps things simple with three monthly plans. Identity Protection, at $9.99 a month, scans public and dark web sites and monitors your Social Security number, driver's license, passport, bank accounts and cards, with a dedicated ID fraud resolution agent and $1 million ID theft insurance. Credit Protection, at $19.99, focuses on credit with monthly triple-bureau reports and scores and daily monitoring across all three bureaus. Total Protection, at $24.99, combines both and adds monitoring of children's Social Security numbers, which is the only household feature it offers. Monthly three-bureau reports are more generous than the annual reports many rivals include. Against that, there is no plan for a second adult, the service is not offered in Iowa, Rhode Island or Vermont, and the site's press quotes date from 2021, so it does not appear to be updated as often as the leaders. Plans renew monthly, which keeps the commitment short.