Aura Identity Theft Protection Costs and Pricing

  • Criminal and court records monitoring
  • Monthly credit scores
  • $1 million identity theft insurance reimbursement maximum

Aura is known for its comprehensive identity theft monitoring packages, and it measures up against even the most affordable competitors.

  • Affordable plans starting at $10 per month
  • Financial fraud monitoring service that pulls information from all three major credit bureaus
  • Military-grade software encryption

We’re geeky about digital security, so of course, we’re staunch advocates of identity theft prevention plans. But we get it; it takes time to research the ins and outs of identity theft prevention, and time is money. Rest assured, we’ve done the research to help you get the most bang for your buck.

In this article, we’ll dive into Aura’s pricing, how it measures up to other identity theft protection services we’ve tested, and whether we think an Aura plan is worth it.

Subscription Options and Pricing

Aura’s plans are all-encompassing and aimed at individuals who want to ensure protection for their wallets, devices, and personal information. While there are many price advantages to the packages, we don’t recommend Aura’s plans for families, since the company does not currently offer family plans. If you want identity theft protection for families, consider Identity Guard family plans instead.

TIP: If you’re looking for a family plan, consider Identity Guard’s Premier plan, since Aura does not offer family plans at this time but owns Identity Guard. Learn more about Identity Guard subscriptions.

Aura’s plans have a wide price range, and the company encourages users to pay the yearly subscription upfront.

What’s included Basic Total Ultimate
Personal ID and password monitoring Yes Yes Yes
$1 million in identity theft insurance Yes Yes Yes
Number of devices protected by antivirus and VPN 1 5 10
Credit monitoring using all 3 major credit bureaus No Yes Yes
Monthly credit score No Yes Yes
Financial transaction monitoring No Yes Yes
Credit locking No Yes Yes
Home title and address monitoring No No Yes
Criminal and court records monitoring No No Yes
Annual credit report No No Yes
White-glove fraud resolution No No Yes
Month-to-month subscription cost $12 $26 $40
Annual subscription cost $120 $240 $360

Basic Plan

We think the Basic plan is a great fit for college students or young adults who only need to protect one device and can’t afford the Total or Ultimate plan. Identity theft coverage is especially important for students, since they are four times more likely to experience fraudulent activity by a perpetrator known to them. In addition, 15 percent of students have experienced a moderate to severe form of fraud.1

While the Ultimate plan may not be financially feasible for a college student or recent grad on a ramen diet, it’s still important for college students to protect their passwords and Social Security numbers, especially if they lose their Social Security cards. Here’s all the Basic plan offers:

  • Personal ID monitoring: If our personal ID numbers or Social Security numbers were used, Aura notified us.
  • Password monitoring: We were alerted if any of our registered online accounts had been compromised.
  • Identity theft insurance: All of Aura’s plans offer the industry-standard $1 million maximum reimbursement for identity theft coverage, including the Basic plan.

Aura’s Basic plan is cheaper than the most affordable ID Watchdog plan, but we wish it offered home title and address monitoring, as well as criminal and court records monitoring. Most basic identity theft plans seem to offer these features, and we’d pay an extra couple bucks a month if we could add them on.

Court records monitoring helps make sure our Social Security numbers, addresses, and names aren’t found in the United States’ public records and criminal court records database. Home title and address monitoring prevents fraudsters from opening a home title in our names, or changing our addresses to intercept our mail.

Total Plan

We think the Total plan is the way to go for single adults or students looking for comprehensive identity monitoring. We were disappointed that it doesn’t monitor home titles or court records, but because the price was right, we could live with a plan without those monitoring services. If you can pay the fee upfront, you’ll pay an average of only $20 per month for the year.

We love that this plan is not only preventative but proactive. It offered a single place to link all our banking and spending accounts so we could make sure all our transactions were secure. It also let us keep up to five of our devices safe from cybercriminals, on top of the Basic plan’s identity theft monitoring services.

These are some of the services the Total plan offers on top of the Basic plan’s features:

  • Credit monitoring: We got real-time alerts of credit file inquiries from the three major credit bureaus (Experian, Equifax, and TransUnion).
  • Monthly credit scores: Aura sent us an update every month, and we could view our credit score trends over time.
  • Credit lock: If we suspected fraud, we could lock or unlock our accounts instantly.
  • Financial transaction monitoring: We linked all our financial accounts in one place and set alerts on spending activity, so we were notified of any fraudulent or suspicious actions.

Ultimate Plan

We can see how it might be worth it for someone with more than five devices to invest in the Ultimate plan, since it offers antivirus and VPN for up to 10 devices, and the Total plan only protects up to five devices. We also like that this plan offers the security of white-glove fraud resolution. Here’s what the Ultimate plan includes:

  • Home title and address monitoring: This plan detected and notified us if someone attempted to steal our home titles or filed an address change in our names.
  • Criminal and court records monitoring: There are more than 2.2 billion textual pages of court materials in the National Archives, and as the court retires materials annually, this number continues to grow.2 Aura’s Ultimate plan made sure our names were represented accurately within the U.S. Courts database.
  • Annual credit report: In addition to monthly credit scores, Aura sent us a yearly credit report with detailed information from all three bureaus.
  • Antivirus and VPN: We could protect up to 10 devices under this plan.
  • White-glove fraud resolution: Aura’s case managers were ready to help us recover our identities if they were stolen.

How Aura Compares to Other Identity Monitoring Plans

We thought Aura’s prices were fair compared to other identity monitoring services with similar plans. This is especially true if you can afford to pay upfront for the year.

For example, PrivacyGuard pricing is around $20 per month just for a financial fraud monitoring plan. If you paid annually for Aura’s Total plan, it would average out at $20 per month and include far more than financial fraud monitoring. That’s a pretty good deal, in our opinion.

FYI: We saved $72 by paying for Aura’s annual Total plan instead of subscribing to the monthly plan.

Here’s a look at a few similar plans, what they include, and what they cost compared to Aura’s Total plan.

What’s included Aura Total plan IdentityIQ Secure Pro plan LifeLock Ultimate Plus plan PrivacyGuard Total Protection plan
Social Security number/password monitoring Yes Yes Yes Yes
$1 million in ID theft insurance Yes Yes Yes Yes
Antivirus Yes No Yes No
VPN Yes Yes Yes No
Number of devices protected 5 10 Unlimited N/A
Financial fraud monitoring Yes Yes Yes Yes
Number of credit bureaus monitored 3 3 3 3
Credit score updates Yes No Yes Yes
Lost wallet assistance Yes Yes Yes Yes
Home title and address monitoring No Yes Yes Yes
Criminal and court records scanning No Yes Yes Yes
Junk mail reduction No Yes No Yes
Neighborhood reports No No No Yes
Monthly subscription cost $26 $22 $30 $25
Cost when billed annually $240 $225 $300 N/A
Monthly cost with annual plan $20 $18.75 $25 N/A

In terms of costs for individual plans, we think Aura is right where it should be. And since losses from identity fraud climbed to $56 billion in 2020,3 we think a plan with Aura is well worth the investment. To learn more, read our Aura review.

What We Liked About Aura

Aura covered all our bases without breaking our bank accounts, and it even offered some perks that made it stand out from its competitors. Here’s what we liked about Aura.

  • One-stop shop: With comprehensive identity theft, financial fraud, and network protection, Aura is a one-stop shop for our personal security. While its Basic plan offers simple identity theft coverage at just $10 a month, Aura’s biggest flex is its scope. It’s got our whole world in its hands, from Social Security number monitoring to dark web scanning to triple-bureau financial fraud monitoring.
  • 60-day money-back guarantee: We’re more comfortable purchasing items when we can return them, and that includes identity theft coverage. Naturally, we were thrilled that Aura offered us a 60-day guarantee when we purchased an annual plan. If we weren’t satisfied with our plan within 60 days, we could give Aura a call and receive a refund.
  • Information security: Aura allowed us to log in to its mobile app using Touch ID. It secured our information using 256-bit AES (Advanced Encryption Standard), the encryption standard that banks and the U.S. military typically use.
  • Industry-standard insurance package: Aura’s $1 million maximum in identity theft coverage isn’t anything special, but it checks the box.
  • Military-grade antivirus and VPN on each plan: Aura offered us military-grade encryption to hide our online information from cybercriminals. Antivirus software protected us from malware and viruses, which included ransomware, adware, spyware, Trojan viruses, and computer worms. Aura’s VPN encrypted our internet traffic, concealing our information from our internet service provider.

LEARN MORE: It’s important to protect your devices with both antivirus and VPN software, so look for an identity monitoring plan that offers both.

Recap

In terms of identity theft and financial fraud protection tools, Aura has flown under the radar, but we don’t think you should overlook its plans. We love its all-encompassing security capability options — who doesn’t love the idea of having white-glove investigators at the ready in case of a fraud crime?

While Aura doesn’t market itself as the cheapest option, it stacks up well against comparable providers that offer similar services. And the 60-day guarantee helps us feel even better about our purchase. While we think Aura’s prices make sense, if you’re looking for a different option, check out our article on this year’s best identity theft protection services to shop around.

FAQs

There’s a lot to take in about Aura’s plans and pricing. Here are some frequently asked questions.

  • What is Aura?

    Aura is an identity theft and financial fraud protection company that monitors your devices, finances, and personal information.

  • How do I cancel my Aura account after 60 days?

    To cancel an Aura account and qualify for the 60-day money-back guarantee, you have to call its customer support at 855-712-0021 within 60 days of your enrollment; you’ll get a full refund of your annual membership cost. This applies to anyone who paid for an annual plan.

  • How does Aura keep my information safe?

    Aura keeps your information safe using military-grade encryption technology. Your information is secured with 256-bit AES (Advanced Encryption Standard). If you don’t want to share your Social Security number online while enrolling, call Aura at 844-939-3681; the company can give you a security risk assessment to check if any of your accounts or personal data have been breached and provide recommendations on how you can fix it.

  • Does Aura identity theft protection have a family plan option?

    Right now, Aura does not offer a family plan. According to Aura’s website at the time this article was last updated (August 2021), that option will be available in the coming months.

Citations
  1. Tulane University. Students More at Risk of Identity Theft: Tips and Resources to Stay Protected.
    sopa.tulane.edu/blog/student-loan-identity-theft

  2. National Archives. National Archives Court Records.
    archives.gov/research/court-records

  3. Javelin. (2021). 2021 Identity Fraud Study: Shifting Angles.
    javelinstrategy.com/coverage-area/2021-identity-fraud-study-scams