The Best Identity Theft Protection With Fraud Detection 2024

Best for easy-to-choose plans

4.9

AllAboutCookies writers and editors score products based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Editorial Rating

Learn More

On Aura Identity Theft's website

---

Aura Identity Theft

• Excellent identity theft protection service
• Includes a password manager and VPN
• Robust tools for children’s security
• Provides VantageScore and not FICO score updates

Learn More

View More

Best for identity theft insurance

4.9

AllAboutCookies writers and editors score products based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Editorial Rating

Learn More

On LifeLock's website

---

LifeLock

• Top-rated identity theft protection service
• Provides up to $3 million in coverage
• Multiple monitoring features including dark web, home title, and social media monitoring
• Customer support experience is lacking

Learn More

View More

Best for simple protection

4.8

AllAboutCookies writers and editors score products based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Editorial Rating

Learn More

On Identity Guard's website

---

Identity Guard

• Easy-to-use identity theft protection service
• Includes extra features like a password manager
• No dedicated remediation assistance available

Learn More

View More

We looked at several identity theft protection services with fraud detection, and determined Aura, LifeLock, and Identity Guard are the best options.

One of our favorite identity theft protection companies is Aura. It leaves confusing plan options behind and offers the same robust set of features for every plan, regardless of whether you need protection as an individual, couple, or family.

If you do fall victim to identity theft, you may be overwhelmed by the stress of regaining access to your identity and paying for any losses and restoration. LifeLock offers the most comprehensive ID theft insurance plan with up to $3 million in benefits.

We’ll examine the three identity theft protection services, their features, cost, and more.

The best identity theft protection services with fraud detection

One of the best ways to protect your identity is by proactively monitoring activity tied to your Social Security number (SSN) and other personal information. Several companies offer identity theft protection solutions to help you actively monitor your credit report, social media, and other areas to help you avoid identity theft.

• Aura: Best for easy-to-choose plans
• LifeLock: Best for identity theft insurance
• Identity Guard: Best for simple and inexpensive protection

Top 3 ID theft protection services with fraud detection compared

Service
Individual monthly plan	Starts at $9.00/mo (billed annually)	Starts at $8.29/mo for first yr	Starts at $7.50/mo
Family monthly plan	Starts at $25.00/mo (billed annually)	Starts at $18.99/mo for first yr	Starts at $12.50/mo
ID theft insurance	Up to $1 million	Up to $3 million	Up to $1 million
Credit monitoring
3-bureau credit reports
Details	View Plans	View Plans	View Plans

Aura: Best for easy-to-choose plans

4.9

AllAboutCookies writers and editors score products based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Editorial Rating

Learn More

On Aura Identity Theft's website

Aura Identity Theft

Up to 68% off Family Annual Plans

• Excellent identity theft protection service
• Includes a password manager and VPN
• Robust tools for children’s security
• Provides VantageScore and not FICO score updates

Who it’s best for

Aura is a great service, and it makes choosing an identity theft protection plan simple. Its plans are based on whether you need coverage for one individual, a couple, or a family. Besides that, all three plans offer the same features, making it easy to choose a plan if you’re signing up to use the service.

Aura also offers a 14-day free trial and a 60-day money-back guarantee for annual plans, which can help give you peace of mind in the selection process.

What we liked

Aura is packed with features to help you and your family protect themselves against ID theft. Each Aura plan also comes with additional cybersecurity products, including antivirus software, a virtual private network (VPN), and a storage vault, which makes it a great deal for a comprehensive security suite.

With Aura, you can protect up to five adults and unlimited children to help prevent child identity theft. Each adult also receives up to $1 million in identity theft insurance.

All of Aura’s plans provide access to a fraud resolution team that can help remediate situations if your identity is compromised. Aura’s team also offers lost wallet remediation, which can help mitigate damage from identity thieves outside the web.

A few other monitoring features we liked include:

• Home and auto title monitoring
• Identity verification for transactions like payday loans
• 401k and investment accounts

What we didn’t like

One disadvantage of Aura is that you only get access to your VantageScore as part of your credit monitoring. Aura doesn’t provide a FICO score, which is the credit score most commonly used by lenders.

In addition, you can only access your credit report once annually. The LifeLock Ultimate Plus plan allows you to access Equifax credit reports daily.

Aura features

Read Our Aura Review

LifeLock: Best for identity theft insurance

4.9

AllAboutCookies writers and editors score products based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Editorial Rating

Learn More

On LifeLock's website

LifeLock

Up to 52% off first year when paid annually

• Top-rated identity theft protection service
• Provides up to $3 million in coverage
• Multiple monitoring features including dark web, home title, and social media monitoring
• Customer support experience is lacking

Who it’s best for

One of LifeLock’s standout features is its identity theft coverage. LifeLock’s Ultimate Plus plan includes up to $3 million in identity theft insurance to help you recoup any identity theft losses.

If you opt for the Ultimate Plus plan, LifeLock’s identity theft insurance coverage includes:

• Up to $1 million in stolen funds reimbursement
• Up to $1 million in personal expense compensation
• Up to $1 million in coverage for lawyers and experts

To get the most out of LifeLock’s insurance and the most protection, you’ll need to select LifeLock’s highest plan, the Ultimate Plus.

What we liked

With LifeLock’s highest plan, Ultimate Plus, you gain access to a ton of monitoring features that we liked. With Ultimate Plus, you can monitor your home title, 401k and investment accounts, and social media accounts. You’ll also receive alerts for bank account takeovers, checking and savings account applications, and other instances of potential cybercrime.

With LifeLock, you also gain access to your credit report more consistently than other solutions. With LifeLock’s Unlimited Plus plan, you get unlimited access to your credit report from Equifax and monthly access for Experian and TransUnion.

What we didn’t like

LifeLock offers several plan tiers, which can be confusing for someone new to identity theft protection. You’ll also need to decide how many people you need to cover with your plan and whether you wish to pay monthly or annually.

The entry-level Select plan offers the least features and the least insurance coverage. With the Select plan, you only receive access to one-bureau credit monitoring and identity and SSN alerts. Identity theft coverage also only goes up to $1.05 million.

The Ultimate Plus plan gives you the most access to LifeLock’s features, including up to $1 million in stolen funds reimbursement, and you can access all three credit bureaus. It’s the most expensive plan, so you’ll need to determine if it’s within your budget.

LifeLock features

Read Our LifeLock Review

Identity Guard: Best for simple and inexpensive protection

Save 33% Now!

4.8

AllAboutCookies writers and editors score products based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Editorial Rating

Learn More

On Identity Guard's website

Identity Guard

• Easy-to-use identity theft protection service
• Includes extra features like a password manager
• No dedicated remediation assistance available

Who it’s best for

Identity Guard is great if you’re looking for a simple solution for identity theft protection that doesn’t come with a high price tag. Its starting plan, Identity Guard Value, offers basic identity theft protection features, including $1 million in insurance, dark web monitoring, data breach notifications, and high-risk transaction monitoring.

If the Value plan isn’t sufficient, Identity Guard’s Total and Ultra plans can offer more features to help protect your identity online, including credit monitoring and credit scores.

What we liked

Overall, Identity Guard is a great choice for identity theft protection. For the most robust features, the Ultra plan is the best deal. With the Ultra plan, you can access fraud resolution and monitoring for your social media, credit and debit cards, and bank accounts.

With all of Identity Guard’s plans, you also receive access to a password manager and a safe browsing tool that can be used to help protect your personal information while online. With an annual plan, you also get a 60-day money-back guarantee.

What we didn’t like

Identity Guard doesn’t offer a plan just for a couple. If you don’t have children you’d like to protect, you’ll have to sign up for two individual or family plans, which can cover up to five adults.

Identity Guard also includes several different plan tiers, which can be confusing, like LifeLock. And unfortunately, the Identity Guard Value plan doesn’t come with any credit features at all.

Identity Guard features

Read Our Identity Guard Review

Honorable mentions

If you’re still looking for the right solution for your identity theft monitoring and fraud protection, several other businesses may better fit your needs. Check out a few other solutions we’ve tested to see if they may work better for you.

• IDShield: Another fraud detection and ID theft monitoring solution is IDShield. IDShield’s family plan includes coverage for you, your spouse, and your dependents under 18. IDShield also includes monitoring for medical data, public records monitoring, and dark web monitoring.

  Get IDShield | Read Our IDShield Review

• Allstate Identity Protection: Allstate Identity Protection is another great option for ID theft protection solutions. Allstate’s Blue plan includes fraud and identity protection solutions and provides cybersecurity solutions like a VPN and password manager. We like Allstate because the platform is easy to use, and information is organized in an easy-to-understand way.

  Read Our Allstate Identity Protection Review

• IdentityIQ: IdentityIQ offers several different plan types. With its Secure Max plan, you receive monthly credit reports from all three bureaus. IdentityIQ includes family protection within its plan, so you don’t have to pay additional for a family plan. Another feature of IdentityIQ we liked is opt-out IQ, which will help you unenroll from junk mail and unwanted calls.

  Read Our IdentityIQ Review

How we tested the best ID theft protection with fraud detection

When evaluating identity theft solutions, we look at several different features to determine which ones may be the best to recommend.

First, we evaluate the different plans and offerings provided by each solution. In many cases, the different companies offer similar features to help protect your identity, so once we understand the features, we look at the overall ease of use.

An identity theft solution is only effective if the user is actively engaged in checking on any monitoring alerts, so the service must be easy to navigate and understand.

Check out our identity theft protection and credit monitoring guide to learn more.

How to choose the best identity theft protection service

When searching for an identity theft protection solution, you should ask yourself these questions:

• How much do I want to spend on identity theft protection?
• Is ID theft insurance important? If so, how much insurance do you want?
• How often do you want to check your credit report?
• What types of monitoring are important to you? (SSN, credit, bank account, etc)
• What additional features does it include? (VPN, password manager, etc)
• Does the solution offer identity theft remediation?
• Does it offer a family plan?
• Does the identity theft protection service have a mobile app?
• Does the solution offer two-factor authentication or other account protection tools?

Best identity theft protection with fraud detection FAQs

Bottom line: The best ID theft protection with fraud detection

All of the identity theft protection services we evaluated will alert you if they find an issue with your credit report or discover your information on the dark web. You’ll find the biggest difference between the three services when comparing additional alerts, cybersecurity extras, and family plan offerings. Aura offers the most simplistic plan options based just on the number of people you need to monitor. It’s also packed with monitoring features to give you extra protection.

LifeLock is another great option, especially if you want a robust identity theft insurance plan. It offers the most abundant plan with up to $3 million in insurance. LifeLock also offers several additional monitoring options to alert you of any issues with your accounts. Insurance and reimbursement are just some of the reasons that ID theft protection is worth it.

Identity Guard is our final pick for the best identity theft protection services with fraud detection. Identity Guard offers several different plans, and you can select an individual or a family plan. Identity Guard has the most affordable plan if you’re looking for basic ID theft protection.

3 best ID theft protection services with fraud detection 2024

	Starting price	Best for	Learn more
	Starts at $9.00/mo (billed annually)	Best for easy-to-choose plans	View Plans Read Aura Review
	Starts at $8.29/mo for first yr	Best for identity theft insurance	View Plans Read LifeLock Review
	Starts at $7.50/mo	Best for simple and inexpensive protection	View Plans Read Identity Guard Review

Multiple Threat Protection with $1M Identity Theft Insurance

4.9

AllAboutCookies writers and editors score products based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Editorial Rating

Learn More

On Aura Antivirus's website

Antivirus Software

Aura Antivirus

Up to 53% off

• Anti-ransomware, spyware, adware, worms, trojan, and rootkits protection
• Real-time protection scans, phishing and scam site prevention, and ability to quickly isolate dangerous files
• Choice between 3 plans, all of which include a VPN, Safe Browsing, and 24/7 customer support
• No third-party testing is available

Author Details

Andrew Adams

About the Author

Andrew Strom Adams is a freelance writer focused on online privacy and digital security. He writes on various topics to help individuals protect themselves on the internet. Andrew has worked in legal marketing, technology, and startups. He has more than 12 years of experience in marketing and communications. He holds an M.B.A. from Westminster College and a B.A. in journalism from Oklahoma Baptist University. When he’s not writing, he’s playing with his two kids or watching reality TV.