The Best Cheap Identity Theft Providers

If you’re looking to protect your identity without breaking the bank, here are our picks for the top affordable identity theft protection companies.
Updated Apr 15, 2021
Written By
Safety Team | Home Security Experts
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Cheap Identity Theft Providers

Protecting your identity is imperative in today’s digital landscape. If you’re looking for a cheap identity theft protection service, we’ll lay out some of the most affordable choices here. These companies are some of the cheapest identity theft protection companies around, but they still offer solid service and protection you can count on.

Identity Theft 101

According to a study by Javelin Strategy and Research, 14.4 million people fell victim to some sort of identity theft in 2018. But what is identity theft, exactly? To put it simply, identity theft happens when someone steals your personal information, such as credit card information, Social Security number or other personal data, and uses that information to commit fraud. Identity thieves can use your information to open new credit card accounts, apply for loans, or even steal your tax refund.

Every year, criminals find new ways to get their hands on your private information and use it to steal money. If you’re the victim of identity theft, it could cost you money and damage your credit rating and reputation.

Given today’s digital landscape, protecting yourself from identity theft is more important than ever. You can start by protecting your passwords, being cautious about where you shop and when you enter data online, and not sharing your data with anyone you don’t trust. However, taking these measures often isn’t enough to fully protect you from identity theft, so you should consider investing in an identity theft protection service.

These services can help you monitor the thousands of places your data may be, alert you to any problems and, in many cases, help you fix the problems caused by identity theft. 

The Best Cheap Identity Theft Providers

  • Identity Guard – Best Overall Coverage
  • EverSafe – Best Monitoring for Seniors
  • IdentityIQ – Best Credit Monitoring
  • LifeLock – Best Money-Back Guarantee
  • Identity Force – Best Overall Monitoring

Identity Guard




Starting monthly fees
ID theft insurance
Credit monitoring
Bank account monitoring
Identity monitoring
Dark web monitoring
Credit score simulator
Social media monitoring
Mobile app
Family plans
Recovery assistance
Trial period
30 days (annual subscription only)30 days7 days60 daysVaries
BBB rating

What Features Should I Look for in Identity Theft Protection Services?

There are a few key features that stand out among the best identity theft providers.
  • Price

    Your top question may be how much identity theft insurance costs. Most identity theft services offer monthly plans and a discount opportunity if you opt for an annual plan. Monthly costs can range anywhere from around $7.50 to $30.00 or more. Adding other people, such as a child or spouse, to your plan may increase the cost, so you may want to look for family plans if you’re hoping to track multiple people.

  • Dark Web Monitoring

    Criminals often find personal data on the dark web, a network of illegal or borderline sites and resources that offer this kind of information for sale. Dark web monitoring services keep track of these areas of the web and let you know when your information is detected.

  • SSN & Personal Records Monitoring

    Once a criminal gets their hands on your Social Security number, they can do any number of harmful things like open new credit accounts, apply for loans and even change your home address. Services that offer SSN and personal-records monitoring help you find out about these activities before too much damage is done.

  • Tri-Bureau Credit Monitoring

    Monitoring your credit across all three credit bureaus — Equifax, Experian and TransUnion — is a good idea to keep a clear picture of your credit situation. It can also alert you to an ID theft early. Many companies offer this service, and it’s highly recommended.

  • Bank Account Monitoring

    You may already monitor your bank account for errant transactions, and your bank may even alert you of suspicious activity. But having your identity theft protection service monitor your account for suspicious transactions both large and small may help you catch something you would otherwise miss.

  • ID Theft Insurance

    Most ID theft companies offer some sort of insurance in case of a major breach. In most cases, this insurance caps at $1 million, but that’s normally plenty to help you with attorney fees and other expenses associated with recovering your identity.

  • Recovery Assistance

    Many identity theft protection services offer dedicated help in the event that your identity is stolen and you have damage to deal with. Having a specialist walk you through the process and support you in this unfortunate situation could be a lifesaver.

Cheap Identity Theft Protection – Conclusion

While you can certainly spend more for identity theft protection, many of the top identity theft protection companies are actually quite affordable. In other words, cheap identity theft protection is often still good identity theft protection. Which company you go with is up to you, but any of the providers we’ve listed here are a great place to start.

Identity Theft Protection FAQ

Home Security Experts

Safety Team

The Safety Team is a group of experts that handle provider research, product reviews and recalls to make your home safety and security search as easy as 1-2-3.

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