Best Identity Theft Protection Services Of July 2025

Consumers lost $27.2 billion to identity fraud in 2024 alone, with an estimated 18 million U.S. adults falling victim.¹ Identity-theft-protection services can help you spot fraud fast, recover stolen identities and offer up to $5 million in insurance coverage.

Last Updated 07-1-2025

BEST OVERALL

4.78

METASCORE help

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BEST INSURANCE COVERAGE

4.6

METASCORE help

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BEST VALUE

4.7

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Identity thieves are getting smarter every year. Javelin Strategy & Research’s 2025 Identity Fraud Study found that $27.2 billion was stolen from U.S. consumers in 2024, a 19 percent jump from the year before.¹ If successful, criminals can open credit lines, file tax returns, or even take over your entire digital identity.

Identity theft protection services monitor your personal and financial information, issue real-time alerts, and give you access to expert restoration specialists. Most top-tier plans also bundle cybersecurity extras like VPNs, antivirus software, password managers, and parental controls.

We distilled dozens of expert reviews and hands-on tests into a single Metascore so you can quickly see which services deliver the best protection in 2025.

Compare the Best Identity Theft Protection Services

Aura

LifeLock

Identity Guard

Metascore:

4.78 star

4.6 star

4.7 star

Insurance Coverage:

Up to $5 Million (family)

Up to $3 Million

Up to $1 Million

Price per Month (Individual):

$12

$7.50–$14.99*

$8.99

Price per Month (Family):

$37

$24.99

$14.99

Identity Monitoring:

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Credit Monitoring:

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3-Bureau Monitoring:

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Identity Restoration:

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Trial Available:

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Family Plan:

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Mobile App:

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Full Review:

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Best Overall: Aura

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4.78

METASCORE

Aura delivers an all-in-one security suite that wraps powerful identity monitoring with cybersecurity staples like a VPN, antivirus, password manager, and parental controls — all included in every plan. Triple-bureau credit monitoring and near-instant fraud alerts help you shut scammers down fast, and families get up to $5 million in stolen-funds reimbursement.

PROS

Includes VPN, antivirus, and password manager on all tiers
Three-bureau credit monitoring with real-time alerts
24/7 U.S.-based fraud-resolution specialists
60-day money-back guarantee on annual plans

CONS

Individual plan costs more than budget rivals
Single tier of service may overwhelm light users

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Best Insurance Coverage: LifeLock

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4.6

METASCORE

LifeLock pairs Norton’s leading antivirus with robust identity protection and the industry’s most generous reimbursement limits — up to $3 million per adult on top-tier plans. One-click credit locking, 401(k) and investment account monitoring, and optional family coverage make it a heavy hitter, though prices climb steeply after the first-year promo.

PROS

Up to $3 million in stolen-funds and expense reimbursement
Integrates with the full Norton 360 security suite
Alerts for bank, 401(k), and investment account takeovers
One-click TransUnion credit lock

CONS

Renewal prices jump sharply after year one
Three-bureau credit monitoring only on the most expensive tier
Complex plan lineup can confuse first-time buyers

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Best Value: Identity Guard

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4.7

METASCORE

Identity Guard leverages IBM Watson® AI to scan billions of data points for early signs of fraud, then zaps you an alert in seconds. Entry-level plans start under $9 per month yet still include $1 million in insurance and dark-web monitoring, making it the budget pick that doesn’t skimp on protection.

PROS

AI-powered monitoring with lightning-fast alerts
Low entry-level pricing and strong family-plan value
Safe-browsing and spam-call blocking tools

CONS

No built-in VPN or antivirus
Three-bureau credit reports cost extra

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Frequently asked questions

What are the most common signs of identity theft?

According to the Consumer Financial Protection Bureau (CFPB), some of the most common signs of identity theft include not getting your bills in the mail, seeing withdrawals from your bank account you cannot explain and debt collectors calling you about debts that are not yours.

Do identity theft companies help me monitor my credit score?

Some identity theft companies do include credit monitoring and credit scores in their service plans, although you should check to make sure. Also note that some providers only monitor one of the credit bureaus instead of all three, which may not give you the complete picture of any fraudulent activity.

Why do I need identity theft insurance?

With identity theft insurance included in your plan, you will be reimbursed for financial losses up to your coverage limits if you are a victim of identity theft. Many ID theft plans offer up to $1 million in coverage for reimbursement of funds due to identity theft.

What steps can I take to protect my identity online?

There are a number of steps you can take to safeguard your identity when you use the internet. Some of the best steps include updating your software frequently, never giving out your personal information, creating unique passwords no one can guess and setting up multi-factor authentication when possible.

What should I do if my identity is stolen?

If your identity is stolen, you should head to the identitytheft.gov website right away. This website will ask you some basic information and help craft a recovery plan with your next best steps. Based on your situation, your next moves could include calling companies where the fraud occurred, reporting the identity theft to the FTC and filing a police report. If you have an identity theft protection plan, the company representatives will help you with each of these steps.