9 Best Identity Theft Protection Services of 2026

This list is for consumers comparing what identity theft protection plans cost and what each price buys: credit monitoring, insurance limits, family coverage and extras such as a VPN. We compared documented features and published prices on each vendor's own US site in November 2026. Rankozo weights value at 40%, features at 35% and ease of use at 25%, so a low-cost plan with solid coverage can outrank a pricier one with more extras. Starting prices are the cheapest individual plan that includes identity monitoring, in USD per month, and many are first-year or annual-billing prices that rise at renewal.

1. 01Top value

   

   Aura

   8.9/10

   Identity, credit and device protection in one subscription, with plans for one adult, couples and families.

   Price

   $12per month, billed annually

   Individual $12 per month billed annually or $15 monthly; Couple $22; Family $32 for 5 adults and unlimited kids; 14-day free trial

   “Individual 1 adult, 10 devices $12 /mo Save 50% billed annually, or $15 billed monthly” Quoted from the pricing page, November 12, 2026.

   Free plan

   No

   Free trial

   14 days

   Value (40%)

   8.4

   Features (35%)

   9.4

   Ease of use (25%)

   8.8

   Best forHouseholds that want identity monitoring and device security in one bill

   Aura bundles more into its entry plan than any other service on this list. The Individual plan costs $12 a month billed annually, or $15 month to month, and covers one adult on up to 10 devices. That price includes 3-bureau credit monitoring, an instant credit lock, home and auto title monitoring, financial transaction alerts and $1 million in identity theft insurance. It also adds antivirus, a VPN and a password manager, plus data removal requests to more than 425 data brokers, people search sites and junk-mailers. The Couple plan is $22 a month for two adults and $2 million of insurance, and the Family plan is $32 a month for five adults and unlimited kids with $5 million of coverage. Every plan starts with a 14-day free trial, and annual plans carry a 60-day money-back guarantee. The weak spot is price for a single person: OmniWatch Standard and Identity Guard Value cost less if you only need monitoring and insurance.

   • ✓Device security tools come in every identity plan
   • ✓Family plan covers 5 adults and unlimited kids for $32 a month billed annually
   • ✓60-day money-back guarantee on annual plans

   • ✕Monthly billing costs $15 instead of $12 for one adult
   • ✕Individual plan costs more than OmniWatch Standard or Identity Guard Value
   • ✕Spam call and email protection is an add-on

   Starting price:

   $12 per month, billed annually

   Insurance:

   $1M (Individual) to $5M (Family)

   Credit monitoring:

   3 bureaus

   Free trial:

   14 days

   Bottom line: Aura is the best choice for households that want one subscription to cover identity monitoring and device security, because $12 a month buys 3-bureau credit monitoring, $1M insurance, antivirus and a VPN. Single buyers who only need alerts can pay less with OmniWatch.

   Visit aura.com ↗

2. 02

   

   OmniWatch

   8.7/10

   Identity and scam protection with high insurance limits and low annual prices.

   Price

   $7.99per month, billed annually

   Standard $7.99 per month ($95.88 billed annually); Elite $14.99 per month; Family $19.99 per month for two adults

   “Standard Core protection for one adult $7.99 / month $95.88 billed annually” Quoted from the pricing page, November 12, 2026.

   Free plan

   No

   Value (40%)

   9.2

   Features (35%)

   8.4

   Ease of use (25%)

   8.4

   Best forSingle adults who want high insurance limits on a budget

   OmniWatch pairs a low entry price with unusually high coverage. Standard costs $7.99 a month, billed annually at $95.88, and covers one adult with up to $2 million of identity theft insurance and up to $50,000 of scam and ransomware reimbursement. It includes dark web and identity monitoring, 1-bureau credit monitoring with a TransUnion credit lock, scam detection for messages and email, a safe browsing VPN for two devices and antivirus for one. Elite costs $14.99 a month billed annually and doubles the insurance to $4 million, raises scam reimbursement to $100,000, moves to 3-bureau credit monitoring and adds home title and payday loan monitoring. The Family plan is $19.99 a month for two adults with up to $8 million of total coverage. OmniWatch says it refunds applicable membership fees if it cannot help restore your identity after a covered incident. The catch on Standard is single-bureau credit monitoring, so people who want all three bureaus watched should budget for Elite.

   • ✓$2M insurance on the cheapest plan is the highest entry coverage we found
   • ✓Scam reimbursement is included, not sold as an add-on
   • ✓Refunds applicable membership fees if it cannot help restore your identity after a covered incident

   • ✕Standard monitors only one credit bureau
   • ✕Home title monitoring needs Elite at $14.99 a month
   • ✕Antivirus covers one device on Standard

   Starting price:

   $95.88 per year

   Insurance:

   Up to $2M (Standard), $4M (Elite)

   Scam reimbursement:

   Up to $50K (Standard)

   Credit monitoring:

   1 bureau (Standard), 3 (Elite)

   Bottom line: OmniWatch is the best choice for single adults on a budget because Standard includes up to $2M insurance and $50K scam reimbursement for $95.88 a year. Choose Elite or Aura if you need all three credit bureaus monitored.

   Visit omniwatch.com ↗

3. 03

   

   Identity Guard

   8.5/10

   Three-tier identity protection service with a low first-year price on its Value plan.

   Price

   $7.50per month, first year billed annually

   Value $7.50 per month for the first year ($90.00), renews at $107.88 a year; $8.99 billed monthly; Total and Ultra cost more

   “Discounted price is $7.50 $8.99 /mo Old price was: $8.99 $90.00 first year, renews at $107.88/yr” Quoted from the pricing page, November 12, 2026.

   Free plan

   No

   Value (40%)

   9.0

   Features (35%)

   7.8

   Ease of use (25%)

   8.5

   Best forBudget buyers who want basic monitoring and $1M insurance

   Identity Guard sells three tiers, and the Value plan is one of the cheapest ways to get identity monitoring with insurance attached. As of November 2026 the individual Value plan costs $7.50 a month, or $90.00 for the first year when billed annually, and renews at $107.88 a year; month to month it is $8.99. Plans include $1 million identity theft insurance, white glove fraud resolution with a U.S. based care team, dark web monitoring, data breach notifications and safe browsing. Total, described as identity and credit protection, starts at $16.67 a month for the first year, and Ultra at $25.00, which is where 3-bureau credit monitoring, a monthly credit score and an Experian credit lock come in. Family versions of each tier cover five adults and unlimited kids, with Family Value at $150.00 for the first year. Annual plans carry a 60-day money-back guarantee. The tradeoff is that the cheap tier is identity monitoring only, so anyone who wants credit alerts should compare Total with Aura and OmniWatch Elite.

   • ✓Value plan costs $90.00 for the first year
   • ✓Monthly billing is only $1.49 more than the annual rate
   • ✓60-day money-back guarantee on annual plans

   • ✕Renewal rises to $107.88 a year
   • ✕Credit monitoring is reserved for the pricier Total and Ultra tiers
   • ✕Insurance stays at $1M on every tier

   Starting price:

   $90.00 first year, then $107.88

   Insurance:

   $1 million

   Family plan:

   5 adults, unlimited kids

   Tiers:

   Value, Total, Ultra

   Bottom line: Identity Guard is the best choice for budget buyers who want monitoring plus $1M insurance because the Value plan costs $90.00 for the first year. Pick Aura if you also want 3-bureau credit monitoring at the entry price.

   Visit identityguard.com ↗

4. 04

   

   Allstate Identity Protection

   8.4/10

   Identity protection from InfoArmor, an Allstate company, with family plans that cover you plus 10 members.

   Price

   $9.99per month

   Essentials $9.99 per month individual or $18.99 family; Premier $17.99; Blue $19.00; restoration-only plan $3.00; 30 days free

   “Essentials Our standard identity protection package. individual $9.99/mo family $18.99/mo” Quoted from the pricing page, November 12, 2026.

   Free plan

   No

   Free trial

   30 days

   Value (40%)

   8.6

   Features (35%)

   8.4

   Ease of use (25%)

   8.2

   Best forLarge families who want one plan for many relatives

   Allstate Identity Protection, operated by InfoArmor, an Allstate company, is built around big family plans. Essentials costs $9.99 a month for one person or $18.99 a month for a family of you plus 10 members, which works out to as little as $1.73 per person. It includes 1-bureau credit monitoring, identity monitoring, a restoration tracker and access to remediation experts around the clock. Premier costs $17.99 a month for an individual and adds credit reports, scores and a tracker, while Blue at $19.00 a month adds 3-bureau credit monitoring and reports, stolen wallet emergency cash of $500 and a stolen tax refund advance. The company advertises up to $2 million in expense coverage for stolen funds, lost wages and legal fees. Monitoring plans start with 30 days free, though a credit card is required at enrollment. A separate Identity Restoration plan at $3.00 a month covers recovery help without monitoring. For one person, Aura and OmniWatch include more for similar money.

   • ✓30-day free trial on monitoring plans
   • ✓Family Essentials works out to as low as $1.73 a month per person
   • ✓A $3.00 restoration-only plan exists for people who only want recovery help

   • ✕Credit card required at enrollment for the trial
   • ✕3-bureau credit monitoring needs Blue at $19.00 a month
   • ✕Stolen wallet emergency cash is not in Essentials

   Starting price:

   $9.99 per month (Essentials)

   Family size:

   You + 10 members

   Expense coverage:

   Up to $2M

   Free trial:

   30 days

   Bottom line: Allstate Identity Protection is the best choice for large families because Essentials covers you plus 10 members for $18.99 a month. Single adults get more features per dollar from Aura or OmniWatch.

   Visit allstateidentityprotection.com ↗

5. 05

   

   Bitdefender Identity Theft Protection

   8.4/10

   Identity monitoring and insurance from the antivirus maker, sold in Standard and Premium plans.

   Price

   $5.83per month, $69.99 billed for the first year

   Standard $69.99 for the first year (regular $129.99); Premium costs more and adds 3-bureau monitoring

   “Bitdefender Identity Theft Protection Standard Old price $129.99 $69.99 For the first year” Quoted from the pricing page, November 12, 2026.

   Free plan

   No

   Value (40%)

   9.1

   Features (35%)

   7.8

   Ease of use (25%)

   8.0

   Best forPeople who want the lowest first-year price

   Bitdefender, better known for antivirus, also sells identity theft protection in the United States, and its Standard plan has the lowest entry price we found. Standard costs $69.99 for the first year against a regular price of $129.99, roughly $5.83 a month in year one. It includes 24/7 monitoring with real-time alerts, credit report monitoring from one bureau and identity theft insurance of up to $1 million, plus monitoring of social media, the internet and the dark web. Premium moves to 3-bureau credit monitoring, raises insurance to $2 million and adds ransomware and fraud reimbursement. Bitdefender says its insurance includes reimbursement of stolen funds for any financial account, and it offers a junk mail and call opt-out. The service requires a valid Social Security number. The first-year discount is the main draw: at the $129.99 renewal price, Standard costs more than OmniWatch Standard, which carries a higher insurance limit.

   • ✓$69.99 for the first year is the lowest entry price on this list
   • ✓Stolen funds reimbursement for any financial account
   • ✓Premium adds credit reports and scores from all three bureaus

   • ✕Standard renews at its regular $129.99 price
   • ✕Standard watches only one credit bureau
   • ✕Requires a valid Social Security number

   Starting price:

   $69.99 first year

   Regular price:

   $129.99 per year

   Insurance:

   Up to $1M (Standard), $2M (Premium)

   Credit monitoring:

   1 bureau (Standard), 3 (Premium)

   Bottom line: Bitdefender Identity Theft Protection is the best choice for buyers who want the lowest first-year cost because Standard is $69.99 for year one. Plan to compare again at renewal, when it rises to $129.99.

   Visit bitdefender.com ↗

6. 06

   

   LifeLock

   8.4/10

   Gen's identity theft protection brand, sold in Core, Advanced and Total tiers for individuals, couples and families.

   Price

   $10.42per month, billed annually

   Core $10.42 per month ($124.99 billed annually) or $12.49 monthly; Advanced $199.99 a year; Total $349.99 a year

   “$10.42 / mo Pay $124.99 today. Renews annually.” Quoted from the pricing page, November 12, 2026.

   Free plan

   No

   Value (40%)

   8.0

   Features (35%)

   8.6

   Ease of use (25%)

   8.7

   Best forBuyers who want tiered stolen funds reimbursement

   LifeLock, sold by Gen on lifelock.norton.com, splits its protection into Core, Advanced and Total. Core costs $10.42 a month, paid as $124.99 a year, or $12.49 month to month, and covers up to $1.05 million in identity theft reimbursement with up to $25,000 for stolen funds. Advanced costs $199.99 a year and lifts stolen funds coverage to $100,000 inside a $1.2 million limit, while Total costs $349.99 a year and reaches $3 million with up to $1 million for stolen funds. Plans include credit, checking and savings activity alerts, 401K and investment account alerts and alerts for unexpected charges, with higher tiers adding data broker removal, scam reimbursement and social media monitoring. Two-adult plans start at $224.99 a year, and family plans cover two adults plus up to 10 kids. The renewal terms say annual plans may be charged up to 35 days before the term ends. Core is fair value, but OmniWatch Standard offers a higher insurance limit for less.

   • ✓Three tiers let you buy only the reimbursement level you need
   • ✓Plans for one adult, two adults, or two adults plus up to 10 kids
   • ✓Monthly billing available at $12.49 for Core

   • ✕Core stolen funds reimbursement stops at $25K
   • ✕Total costs $349.99 a year for one adult
   • ✕Annual plans may be charged up to 35 days before the term ends

   Starting price:

   $124.99 per year (Core)

   Reimbursement:

   Up to $1.05M (Core) to $3M (Total)

   Stolen funds:

   $25K (Core) to $1M (Total)

   Family plan:

   2 adults + up to 10 kids

   Bottom line: LifeLock is the best choice for buyers who want to pick a stolen funds limit, because tiers run from $25K on Core at $124.99 a year to $1M on Total. Budget buyers get higher entry coverage from OmniWatch.

   Visit lifelock.norton.com ↗

7. 07

   

   IdentityIQ

   8.0/10

   Credit-focused identity protection with four Secure plans and an optional VPN and antivirus add-on.

   Price

   $8.49per month

   Secure Basic $8.49 per month; Secure Plus $11.49; Secure Pro $21.49; Secure Max $31.49

   “Secure Basic 8 49 /mo” Quoted from the pricing page, November 12, 2026.

   Free plan

   No

   Value (40%)

   8.6

   Features (35%)

   7.6

   Ease of use (25%)

   7.6

   Best forCredit builders who want frequent 3-bureau reports

   IdentityIQ leans toward credit tracking more than the other services here. Secure Basic costs $8.49 a month and includes daily 1-bureau credit report monitoring, $1 million stolen funds reimbursement, dark web and internet monitoring, SSN alerts, synthetic ID theft protection, change of address alerts and lost wallet assistance. Secure Plus at $11.49 adds an annual 3-bureau credit report and scores, Secure Pro at $21.49 moves to 3-bureau monitoring with reports twice a year, and Secure Max at $31.49 adds monthly 3-bureau reports, a score simulator and tracker, $25,000 family identity theft insurance and fraud restoration with a limited power of attorney. Every tier lists a U.S.-based ID restoration service and an opt-out tool for junk mail and do-not-call lists. IdentityIQ also offers rent and utility payment reporting to help build credit. A VPN and antivirus cost extra. For pure identity protection, Identity Guard and OmniWatch include more for a similar price.

   • ✓Secure Basic is $8.49 a month
   • ✓Credit tools such as a score simulator and tracker on Max
   • ✓U.S.-based ID restoration service on every plan

   • ✕3-bureau monitoring needs Secure Pro at $21.49 a month
   • ✕Fraud restoration with limited power of attorney is listed only on Secure Max
   • ✕VPN and antivirus are a paid add-on

   Starting price:

   $8.49 per month

   Stolen funds reimbursement:

   $1 Million

   Credit monitoring:

   1 bureau (Basic, Plus), 3 (Pro, Max)

   Plans:

   Basic, Plus, Pro, Max

   Bottom line: IdentityIQ is the best choice for credit builders because its higher Secure plans add 3-bureau reports up to monthly and rent payment reporting. Pick OmniWatch or Identity Guard if you mainly want identity alerts and insurance.

   Visit identityiq.com ↗

8. 08

   

   IdentityForce

   7.8/10

   TransUnion's identity protection service, sold as UltraSecure and UltraSecure+Credit.

   Price

   $19.90per month

   UltraSecure $19.90 per month or $199.90 a year; UltraSecure+Credit $34.90 per month or $349.90 a year; 30-day trial

   “UltraSecure Individual $19.90/mo Billed monthly after your 30-day trial.” Quoted from the pricing page, November 12, 2026.

   Free plan

   No

   Free trial

   30 days

   Value (40%)

   7.0

   Features (35%)

   8.6

   Ease of use (25%)

   8.0

   Best forPeople who want a 30-day trial and pro-rated refunds

   IdentityForce, run by TransUnion, keeps its lineup to two individual plans. UltraSecure costs $19.90 a month after a 30-day trial, or $199.90 a year, and includes a personalized action plan and identity safety score, 24 x 7 dark web monitoring with a risk score for each hit, advanced fraud monitoring, a dedicated restoration specialist, a VPN for mobile, online PC protection and $1MM identity theft insurance. UltraSecure+Credit costs $34.90 a month or $349.90 a year and adds $2MM insurance, phishing and BotNet monitoring, daily TransUnion credit reports and scores, 3-bureau credit monitoring and quarterly 3-bureau reports. Family plans are also sold. Cancellation ends service immediately with a pro-rated refund for the unused portion, which is friendlier than most annual contracts. Credit services only start after you verify your identity. The weakness is price: UltraSecure costs more than twice OmniWatch Standard and still has no credit monitoring, so it ranks lower on value.

   • ✓30-day free trial before the first charge
   • ✓Pro-rated refund for the unused part of a plan when you cancel
   • ✓Includes a mobile VPN and PC protection

   • ✕Starts at $19.90 a month, more than double OmniWatch Standard
   • ✕Credit monitoring requires the $34.90 UltraSecure+Credit plan
   • ✕Identity verification is needed to activate credit services

   Starting price:

   $19.90 per month or $199.90 per year

   Insurance:

   $1MM (UltraSecure), $2MM (+Credit)

   Free trial:

   30 days

   Refunds:

   Pro-rated on cancel

   Bottom line: IdentityForce is the best choice for people who want to try before paying and keep a refund option, because it offers a 30-day trial and pro-rated refunds. It costs more than most rivals here, starting at $19.90 a month.

   Visit identityforce.com ↗

9. 09

   

   Experian Premium

   7.7/10

   Experian's top paid membership, adding identity protection to the bureau's credit tools.

   Price

   $24.99per month

   Free membership for the Experian report and FICO Score; Premium $24.99 per month after a 7-day free trial

   “Free for 7 days, then just $24.99 /month” Quoted from the pricing page, November 12, 2026.

   Free plan

   Yes

   Free trial

   7 days

   Value (40%)

   6.8

   Features (35%)

   8.2

   Ease of use (25%)

   8.4

   Best forExperian app users who want 3-bureau reports

   Experian, one of the three national credit bureaus, sells identity protection through its Premium membership. Premium costs $24.99 a month after a 7-day free trial and includes credit reports from Experian, Equifax and TransUnion, dark web surveillance, social media monitoring, fraud resolution and up to $1 million in identity theft insurance, with real-time alerts if your personal information is exposed. Experian also runs a free membership that needs no credit card and shows your Experian credit report and FICO Score, plus Core at $4.99 a month and Plus at $14.99 a month, which focus on credit and money management rather than full identity protection. The appeal is a single app for credit and identity from a bureau. The drawback is cost: at $24.99 a month, Premium is about $300 a year, roughly three times OmniWatch Standard, with half its insurance limit, so it lands last on value in this list.

   • ✓Free membership with no credit card required
   • ✓7-day free trial of Premium
   • ✓Run by a credit bureau, so Experian data feeds directly in

   • ✕$24.99 a month is the highest entry price on this list
   • ✕No annual discount shown on the plan page
   • ✕Insurance stops at $1 million

   Premium price:

   $24.99 per month

   Free plan:

   Experian report and FICO Score

   Insurance:

   Up to $1 million

   Free trial:

   7 days

   Bottom line: Experian Premium is the best choice for people already using the Experian app who want 3-bureau reports and identity alerts in one place. At $24.99 a month it is the priciest entry plan here.

   Visit experian.com ↗

Questions or corrections: editorial@rankozo.comSee our disclosure. Prices change; confirm on the vendor page before buying.