Identity thieves sometimes act like babies, and sometimes they act like parents. With stolen data, they can act like ALL family members! Thieves not only drain bank accounts, but also use others’ identities to build credit for big purchases, to get medical care, to steal tax refunds, and to otherwise enhance their own lives. They might even use your good name to avoid jail time.
Quick Facts: The Best Identity Theft Protection for Families
1-2 or unlimited
5-10 or unlimited
Fortunately, you can guard every name in your household with rates as low as $12.50 per month. Here we detail the best identity theft protection plans for families with affordable prices and great benefits. Each company has deals for up to $1 million in fraud recovery.
What’s Included with Family Identity Theft Protection?
The best family identity theft protection plans feature two main services: prevention and resolution. Some provide credit monitoring as well.
One example of identity theft prevention is monitoring chat rooms on the “dark web” where thieves exchange stolen data and sending you instant notifications if your info is detected. Another example is notifying you in real-time if someone seeks a payday loan in your name.
An example of theft resolution is a caseworker contacting credit bureaus to help restore your FICO rating. Another example is the company paying legal fees to help establish that your toddler did not, in fact, buy a yacht.
Credit monitoring may be offered with daily, monthly, quarterly, or annual credit reports. Some theft prevention plans are focused on one credit bureau (TransUnion, Equifax, or Experian). Others provide FICO scores, which may reflect changes from all three major bureaus. Also, some plans go beyond theft prevention to help improve your household’s financial well-being. They feature credit improvement simulators and/or other financial tools and advice.
Rates are as low as $12.50/month with typical coverage being $1 million per family member. A million might sound high, but legal fees can add up quickly. Resolving ID fraud is time-consuming for the victims too, so plans may include lost wage replacement up to $7,500 per month.
Our favorites for family identity theft protection
Aura provides so much more than simple identity theft monitoring. In addition to services like SSN monitoring and dark web scans, the company offers financial monitoring. You get bank account monitoring, a monthly credit score, and annual credit reports from all three bureaus (Transunion, Experian, and Equifax). Plus, Aura gives you tools like antivirus software and a VPN to help you be proactive about protecting your family’s digital safety.
A family membership from Aura costs $50 a month, but that price falls to just $37 a month if you’re willing to sign up for an annual subscription. You get VPN and antivirus coverage for up to 50 devices and up to $5 million in identity theft insurance.
Aura divides its benefits into three categories: identity theft, financial fraud, and device and online security.
Flat rate to include up to five members of the household
Child SSN monitoring
Monthly VantageScore credit score
Annual credit reports from all three bureaus
Lost wallet remediation
Online account monitoring
White glove fraud resolution
Up to $5 million in stolen funds reimbursement
Aura features a Virtual Private Network (VPN) which can keep you safe when you’re browsing online. A VPN routes your internet connection through an encrypted tunnel and assigns you an untraceable IP address. That means hackers can’t follow you and even the government can’t spy on what you’re doing.
Aura’s password manager doesn’t just maintain a secure record of all your passwords. It also alerts you if you happen to have any weak or breached passwords and offers suggestions for how to improve them.
Children are particularly vulnerable to identity theft. Thieves like the fact that kids have clean credit histories. Plus, often no one bothers to check those histories until it’s far too late. Aura runs constant checks for your children’s SSNs on millions of public records, including court filings, DMV records, and credit headers. Plus, if something should go wrong, all of your children are protected with up to $1 million of ID theft insurance.
Aura Family Prices
Aura charges $50 a month for its family plans if you’re paying one month at a time. However, you can get the same plan for just $37 a month if you sign up for 12 months of the service. That’s a savings of $156 a year.
Identity Guard offers extraordinary value for an ID theft family plan. The cheapest family plan is just $12.50/month with up to $1 million in stolen funds reimbursement per person. With a Better Business Bureau rating of A+, and more than 50 million customers having the opportunity to weigh in, Identity Guard has earned a solid reputation.
The main benefits available from Identity Guard are dark web monitoring, cyberbully alerts, credit monitoring, and safe browsing tools for desktop and mobile devices.
One membership can cover all adults and minors in your home. Each family member has a unique login. Adults may view minors’ information, but adults can’t see each other’s account information. Here is a list of main benefits:
Dark web monitoring is one big benefit of all Identity Guard family plans. The company partners with IBM Watson, using supercomputer skills to constantly monitor the internet for stolen data. For example, IBM Watson monitors chat rooms where criminals post healthcare ID numbers, social security numbers, and other valuable data. Early alerts can give you the chance to change passwords before financial damage is done.
Cyberbullies can be caught by IBM Watson too. Artificial intelligence stays alert for signs of online harassment. Identity Guard sends cyberbully alerts to adults on the account, along with guidance about the next steps to take.
Credit monitoring comes with two of Identity Guard’s family plans. This provides a monthly Vantage score based on TransUnion data. You’ll also get an annual credit report with information from all three major credit bureaus (TransUnion, Equifax, and Experian). By law you can get annual credit reports for free; IdentityGuard streamlines the process.
Safe browsing tools are included with all Identity Guard family plans. These can help keep family members and their data protected online, whether with desktop computers or mobile devices. A main feature is anti-phishing software to screen out malicious emails and dangerous websites.
Identity Guard Family Prices
Family plan prices range from $12.50 to $34.99 per month. You can pay month-to-month, but the lowest rates come with 12-month deals; these reflect nearly 20 percent discounts. Choosing the Ultimate Plan for a year works out to $29.17 per month.
LifeLock is an identity protection company owned by Norton. This cozy relationship is reflected in LifeLock plans that include Norton 360 subscriptions. Overall the pricing isn’t necessarily best for big families, but LifeLock might be best for an elderly family member on their own. The top-tier LifeLock plan provides up to $1 million in ID theft protection for $25.99/month during the first year of service.
Each plan can send real-time privacy alerts to your mobile phone or email, and LifeLock lets you issue an instant credit freeze to help stop crime.
Courtesy of Norton is protection against cyberthreats. This is included for desktop and mobile devices, plus it’s active when you use public WiFi. By creating a virtual private network, Norton gives you the freedom to securely check email, bank accounts, and other sites even when you aren’t at home.
Other benefits of LifeLock’s subscriptions include credit monitoring, banking/credit card alerts, alerts about crimes committed in your name, and more.
Norton 360 online security
Real-time alerts by text, phone, email
Instant credit freeze
Triple-bureau credit reports
Dark web scans
File-sharing site scans
Bank account monitoring
Lost wallet protection
Up to $1 million restitution for ID fraud
LifeLock Family Prices
Month-to-month LifeLock rates range from $9.99 to $25.99 per adult. Children can be added to any LifeLock plan for $5.99 each. Again though, LifeLock seems best for an elderly person on their own; other companies have better rates for households with more than one adult and children.
What are the main differences among plans? Most important is the maximum coverage in case of identity theft:
Some other differences: Each LifeLock plan includes credit monitoring, but credit protection is more advanced with the pricier plans. The higher-priced plans protect more devices against malware, phishing, and other cyberthreats.
Discounts are given with yearly ID protection plans.
4. IdentityForce - Best Identity Theft Protection for Children
Whether you have one child or enough for a baseball team, IdentityForce is a great value for family identity protection. Their Family ID Protection plans can support two adults plus any number of minors, giving each enrollee up to $1 million in ID theft compensation. Plans include cyber protection (Windows only) along with 24/7 monitoring of public records, the dark web, and your financial accounts. Credit monitoring is included only with the top-tier plan.
If you don’t already have credit monitoring in place, then IdentityForce’s $35.90/month UltraSecure+ Family Plan is best. It provides a credit improvement simulator along with quarterly credit reports from the three major bureaus.
If you already use a credit monitoring service, then the $24.90/month UltraSecure Family Plan is a better buy. You can try this plan free for 14 days.
Notably, IdentityForce uses two-factor authentication for account sign-in. Taking an extra step at sign-in helps ensure that only you can access your account, even if somebody else enters your login ID and password.
A partial list of perks:
Three-bureau credit reporting
Lost wallet assistance
Dark web monitoring
Court records monitoring
Social media identity monitoring
Real-time alerts of potential identity fraud
Bill payment history
Junk mail opt-out
Up to $1 million in restitution
IdentityForce family rates aren’t published on the company’s website. You can order a plan by phone. As mentioned above, the cheaper plan is available with a two-week free trial.
5. Experian IdentityWorks - Best Identity Theft Protection for Large Families
If your family something like Eight Is Enough? Experian IdentityWorks is a great value for large families, as up to 10 minors and two adults can share low-priced plans. Coverage is up to $1,000,000 per person with monthly rates starting at $14.99 for single adult households and $19.99 for two-adult households.
Experian IdentityWorks is a branch of the Experian credit monitoring bureau, and a big benefit of membership is daily updates of your Experian credit score. You’ll also get quarterly reports with your FICO 8 score, which reflects data from all three major credit bureaus, and access to a FICO score simulator.
Some features are especially useful if you have minors. These include local sex offender alerts, social media fraud monitoring, and checking popular file-sharing networks for accidentally shared data.
Furthermore, IdentityWorks surveils the dark web for data breaches, monitors payday lenders for your data, provides fraud resolution support, and more.
Daily Experian credit updates
Instant Experian credit locking
Quarterly FICO reports
Real-time credit alerts
Up to $1,000,000 in restitution
Assistance with fraud resolution
Dark web surveillance
Payday loan fraud prevention
Sex offender registry alerts
Social media monitoring for fraud
File-sharing network monitoring
Monitoring court records for ID theft
Experian Family Plan Prices
The two family plans are called IdentityWorks Plus and IdentityWorks Premium. Each has two prices depending on whether one or two adults enroll. Overall the prices range from $14.99 to $29.99 per month. Up to ten minors can enroll with no extra charge.
IdentityWorks Plus: $14.99 for a one-adult home, or $19.99 for a two-adult household. Provides ID theft prevention, detection, and up to $500K in resolution.
IdentityWorks Premium: $24.99 for a one-adult home, or $29.99 for a two-adult household. Provides identity theft prevention, detection, and up to $1,000,000 in restitution. This plan also builds upon the Plus plan with file-sharing network scans, sex offender registry alerts, notifications of crimes committed in your name, and more.
You can try either Experian family plan free for 30 days.
6. Zander Insurance - Most Affordable Family Coverage
Zander is a nearly century-old insurance group. Along with homeowners insurance and other traditional insurance products, Zander now offers the most affordable family coverage on identity theft protection. Their $12.90/month Family Plan covers minors for free, and the benefits are generous. Given Zander’s general insurance background, the company is well-positioned to guard against car title fraud, healthcare fraud, employment fraud, tax fraud, and other types of ID theft.
Each Zander Family Plan enrollee is guaranteed up to $1 million in restitution, plus wage earners secure up to $7,500/month in wage replacement. (For comparison, many competitors will cap monthly wage replacement at $5,000.) In the case of identity theft, a case manager will assist with resolution for up to three years.
Affordable family coverage
24/7 phone support
Proactive monitoring for ID fraud in employment, healthcare, auto sales, tax refund filing, and more
Three years ID restoration with a certified case manager
Can save with other insurance products
Credit reporting isn’t available through Zander. It’s best to supplement a Zander plan with free annual credit reports and a free credit reporting service.
Disclaimer: This content is not provided or commissioned by the companies referenced in this article. Opinions expressed here are the author’s alone and have not been reviewed, approved, or otherwise endorsed by the companies mentioned. We may be compensated through advertiser affiliate programs.