How Much Does Identity Guard Cost in 2024?

Explore how Identity Guard can protect you and your family from identity theft with identity theft protection, credit monitoring, $1 million in identity theft insurance, and more.
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According to, total fraud and identity theft cases have nearly tripled over the last decade, and they dramatically increased in 2023. The Federal Trade Commission (FTC) reported 5.7 million total fraud and identity theft reports; 1.4 million of those were identity theft cases. [1] The case for the best identity theft protection has never been stronger.

Identity Guard is one of the top-rated players in this space, loaded with features to help protect your personal and financial information from identity thieves. A simple Identity Guard login can provide you access to a whole host of identity theft protection services designed to safeguard your identity.

That’s why we’ve evaluated Identity Guard, which offers plans at a modest cost ranging from $7.20–$31.99/mo. With its three different pricing tiers and plans for individuals and families, Identity Guard has options that can suit a wide range of identity theft protection needs.

Read our Identity Guard review to find out more about its features, compatibility, customer support, and more.

In this article
How much does Identity Guard cost?
Identity Guard’s plans
Does Identity Guard have coverage for families?
Does Identity Guard have a free trial?
Identity Guard cost FAQs
Bottom line

How much does Identity Guard cost?

Identity Guard can be as low as $7.20/mo or as high as $31.99/mo depending on various factors, such as the plan type you select, your payment plan, and how many credit monitoring features you desire. First, you can select between an individual plan and a family plan. Then, you can select to pay either monthly or annually.

Individual monthly costs can range from $8.99/mo for the basic Value plan to $29.99/mo for the comprehensive Ultra plan. Additionally, families can protect their households with monthly plans ranging from $14.99/mo to $39.99/mo. However, annual plans can help you save more money in the long run, with prices ranging from $7.20/mo to $23.99/mo for individual plans or $11.99/mo to $31.99/mo for family plans.

Plan Identity Guard Norton LifeLock IdentityForce
Individual plan paid annually Starts at $7.20/mo Starts at $7.50/mo (billed annually) for first year Starts at $17.95-$19.95/mo
Individual plan paid monthly Starts at $8.99/mo Starts at $11.99/mo Starts at $19.95/mo 
Learn More View Plans View Plans View Plans

Test results as of 07/30/2023.

When compared to Norton LifeLock and IdentityForce, Identity Guard offers the best pricing. Identity Guard's starting plan is about half the price of IdentityForce's starting plan. And although Identity Guard and LifeLock start at the same price, LifeLock increases in price after the first year.

You can read our Norton LifeLock review and IdentityForce review to learn more about these identity theft protection services.

Identity Guard’s plans

Identity Guard offers three plans for individuals and families: Value, Total, and Ultra. The Value plan is a basic plan, Total is a mid-tier plan with more protection features, and Ultra is our recommended plan, which offers comprehensive identity monitoring as well as credit monitoring services.

Plan Value Total Ultra
Identity theft insurance Yes — up to $1 million Yes — up to $1 million Yes — up to $1 million
Data breach notifications
Dark web monitoring
High-risk transaction monitoring
Bank account monitoring
USPS address change monitoring
Credit monitoring Yes — Experian, TransUnion, Equifax Yes — Experian, TransUnion, Equifax
Monthly credit score
Three-bureau annual credit report
Learn More View Value Plan View Total Plan View Ultra Plan
Data as of 7/28/2023.

Identity Guard Value

Identity Guard’s basic plan, the Value plan, uses your Social Security number (SSN) and other personal data to monitor for signs of identity theft. This includes high-risk transaction monitoring, dark web monitoring, and data breach notifications. All Identity Guard plans also come with identity theft insurance of up to $1 million for you and your family. Its individual packages cost $7.20/mo, and family packages cost $11.99/mo.

The Value plan is best suited for single individuals or large families with children. The individual plans only cover one person. The family plans cover five adults and an unlimited number of kids, which we thought was impressive. Unfortunately, the Value plan does not come with credit monitoring or protection services, but the next tiers do.

Identity Guard Total

Identity Guard’s Total plan is a slight notch above its Value plan. Identity Guard Total protection offers the same features as the Value plan, plus bank account monitoring, three-bureau credit monitoring, and monthly credit score updates.

The Total plan cost is $15.99/mofor individuals and $23.99/mo for families. It is twice the cost of the Value plan but has more to offer beyond identity theft protection. Credit monitoring with the three major credit bureaus, Experian, TransUnion, and Equifax, is its standout feature. This can be attractive for those who want to protect themselves and their families from becoming victims of credit card fraud.

So if you are willing to shell out extra dollars each month to protect yourself from identity theft, bank account theft, and credit card fraud, then the Total plan is a great choice.

Identity Guard Ultra

Identity Guard’s Ultra plan has the most comprehensive identity theft and identity fraud protection available. In addition to what’s included in the Value and Total plans, Ultra includes these extra features.

  • Social media monitoring: Checks your social media accounts for suspicious activity or if they’ve been hacked
  • Credit and debit card monitoring: Monitors your credit and debit cards for unauthorized or unusual transactions and potential debit or credit card fraud
  • 401K and investment account monitoring: Monitors your 401K and investment accounts for unauthorized transactions, bank transfers, or trades
  • Home title monitoring: Monitors if anyone adds a co-owner to your home title or sells your home unbeknownst to you
  • Criminal and sex offender monitoring: Checks criminal records to ensure your reputation isn’t being tarnished by an imposter or identity thieves
  • USPS address change monitoring: Notifies you when your home address has been changed to forward your mail to another address without your consent
  • Experian Credit Lock: Lets you lock your credit file with Experian to prevent unwanted credit activity, alerting you when criminals attempt to open or apply for credit in your name
  • Three-bureau annual credit report: Receive annual credit reports from Experian, TransUnion, and Equifax

Ultra’s starting price is $23.99/mo for individuals and $31.99/mo for families. It’s certainly the “ultra” choice, packed with features that can help individuals and families protect themselves against identity theft criminals. Even though it’s more costly than the other plans, Identity Guard Ultra is our recommended plan thanks to its extensive monitoring, comprehensive credit monitoring, and recovery services.

Does Identity Guard have coverage for families?

We appreciate that Identity Guard offers family plans and accounts for children in them. Family plans include five adults and, well, an unlimited number of kids (which we think is awesome). They are offered for all three plans: Value, Total, and Ultra (our recommended plan).

Best of all, each plan provides up to $1 million in identity theft insurance coverage for all family members living in your household. So whether you want to protect the identity of your spouse, grandparents, or children, Identity Guard has you covered.

You can protect your loved ones from identity theft by selecting the plan that suits your needs and budget, with prices that range from $12.50-$33.33/mo. See the plans below for pricing details.

Plan Value Total Ultra
Family plan paid annually $11.99/mo $23.99/mo $31.99/mo
Family plan paid monthly $14.99/mo $29.99/mo $39.99/mo
Test results as of 7/30/2023.

Does Identity Guard have a free trial?

Unfortunately, a free trial for Identity Guard was not available at the time of this review. However, Identity Guard does provide a 60-day money-back guarantee if you opt for their annual plans. If you are satisfied with Identity Guard’s services, annual plans can save you more money in the long haul, and if you are not satisfied within 60 days, you are entitled to reimbursement.

Identity Guard cost FAQs


What does Identity Guard cover?

Identity Guard can cover a wide range of potential identity threats. It can monitor your bank accounts, credit cards, home titles, and more. Annual credit reports are included with the Ultra plan for individuals and families. All plans also offer $1 million in identity theft protection, so identity restoration services are also covered.


Is Identity Guard free?

There are no Identity Guard free plans or services offered, unfortunately. However, Identity Guard does offer a 60-day money-back guarantee if you select an annual subscription with any of its three plans.


What is Identity Guard with Watson?

Identity Guard with Watson delivers personalized identity theft protection and action steps using AI technology from ​​IBM® Watson™ Artificial Intelligence. It does this by continually monitoring millions of data sources that other services don’t and alerting you of potential threats.


Is Identity Guard worth it?

Given that identity theft has nearly tripled over the last decade, Identity Guard offers identity theft protection for individuals and families across all tiered plans: Value, Total, and Ultra. We think the comprehensive Ultra family plan may be worth the price, especially for those with large families. However, that decision depends on your personal needs and budget.

For those unfamiliar with ID theft protection services, read our complete guide to identity theft protection for additional guidance.

Bottom line

Due to the continual rise in identity theft and fraud cases, identity theft protection may be needed now more than ever. Identity Guard provides solutions that help individuals and families with children stay protected from identity theft crimes. So whether you are on a budget and can only afford basic identity theft protection or if you have some room to shell out extra dollars for premium features, there is an Identity Guard plan for you and your loved ones.

For a deeper dive into what identity theft protection services offer, check out our guide on the best identity theft protection services with credit reporting.

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  • Easy-to-use identity theft protection service
  • Includes extra features like a password manager
Author Details
Mars is a California-based cybersecurity professional and writer currently pursuing a B.S. in Cybersecurity. With interests ranging from OSINT to ethical hacking and threat intelligence, Mars leverages his two years of writing experience to produce informative content on topics such as Internet guides and VPNs.


[1] 2023 Identity Theft Facts and Statistics