Identity Guard Pricing: Every Plan, Renewal Prices and Cheaper Options (2026)
Identity Guard pricing as of September 2026: Value, Total and Ultra for individuals and families, monthly vs annual costs, renewal prices, refund rules and cheaper or free options.
By Editorial Team
9 min read
As of September 2026, Identity Guard pricing starts at $8.99 a month for the Value plan, $19.99 for Total and $29.99 for Ultra, billed monthly for one adult. Family plans, covering five adults and unlimited kids, cost $14.99, $29.99 and $39.99 a month. Annual plans are discounted in the first year and then renew at $107.88, $239.88 or $359.88 a year for individuals, and $179.88, $359.88 or $479.88 for families.
This guide sets out every plan and price, what each tier adds, how annual and monthly billing compare, the renewal and refund terms, and cheaper or free ways to get similar protection. It’s based on Identity Guard’s plans page, its FAQ and its Service Terms of Use (last updated March 4, 2026), all checked in September 2026. Prices change, so check Identity Guard’s plans page for current prices before you buy.
Identity Guard plans and prices (as of September 2026)
| Plan | Billed monthly | Annual plan renews at |
|---|---|---|
| Value, individual | $8.99 a month | $107.88 a year |
| Value, family | $14.99 a month | $179.88 a year |
| Total, individual | $19.99 a month | $239.88 a year |
| Total, family | $29.99 a month | $359.88 a year |
| Ultra, individual | $29.99 a month | $359.88 a year |
| Ultra, family | $39.99 a month | $479.88 a year |
Each renewal price is exactly 12 times the monthly price. In other words, after the first year an annual plan costs the same as paying month to month, but you pay for a year at a time, and the 60-day refund window applies only to the initial purchase, not to renewals.
The first year of an annual plan is where the discount sits, and it varies with promotions. When we checked, the plans page carried two different first-year offers, one labeled “Save 16%” and one labeled “Save 50%”, while the monthly and renewal prices were the same in both. We haven’t listed first-year prices for that reason. Check the plans page for the offer shown to you, and note the “renews at” figure next to it.
What each Identity Guard plan includes
Identity Guard’s plans page lists these features for each tier. Every plan includes a US-based customer care team, $1 million of identity theft insurance for an individual plan, data breach notifications, dark web monitoring, high-risk transaction monitoring, safe browsing, a password manager and the mobile app.
| Feature | Value | Total | Ultra |
|---|---|---|---|
| Dark web and high-risk transaction monitoring | Yes | Yes | Yes |
| Bank account monitoring | No | Yes | Yes |
| 3-bureau credit monitoring and a monthly credit score | No | Yes | Yes |
| Experian credit lock | No | No | Yes |
| 3-bureau annual credit report | No | No | Yes |
| Social media, credit and debit card, and 401(k) and investment account monitoring | No | No | Yes |
| Home and auto title, criminal and sex offense, and USPS address change monitoring | No | No | Yes |
| White glove fraud resolution | No | No | Yes |
A few details from the plans page’s footnotes change what you’re paying for:
- Insurance. Individual plans show $1 million of identity theft insurance, and family plans show “up to $5M”. It’s underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company, may not be available in all jurisdictions, and has its own terms and exclusions.
- Children on family plans. Child members only get online account monitoring and Social Security number monitoring. Adult members get all the listed benefits.
- White glove fraud remediation is available only on Ultra.
- The credit score is calculated from your Equifax file for educational purposes, and isn’t the same score lenders use.
What the plans page doesn’t list matters too. We saw no data broker removal, VPN or antivirus on any Identity Guard plan. If you want those in one subscription, compare Identity Guard with its parent company’s product in our Aura vs Identity Guard comparison.
Annual vs monthly billing
The choice comes down to how sure you are that you’ll keep the service:
- Annual. You get the first-year discount and the 60-day money-back window. After the first year, you pay the full renewal price in one go.
- Monthly. No discount and no refunds, but you can stop at the end of any month. Identity Guard’s FAQ says monthly plans aren’t eligible for refunds, and that if you cancel one, service stays active until the end of the current monthly term.
Here’s an illustrative example, not a real customer. Say you pick Total for one person. Month to month, you’d pay $19.99 a month, which is $239.88 over a year. On an annual plan you’d pay the discounted first-year price shown at checkout, and then $239.88 at each renewal. If you think you might only want protection for a few months, perhaps after a data breach letter, monthly billing costs less overall. If you plan to keep it, annual billing saves money in year one and gives you 60 days to change your mind.
Renewals, cancellation and refunds
Identity Guard’s Service Terms of Use (last updated March 4, 2026) and its plans page set out these rules:
- Automatic renewal. Subscriptions renew automatically at the “Renewal Price” shown in your account dashboard, unless you cancel at least one day before the next billing cycle starts. Identity Guard says it emails you before renewal.
- Price changes. Fees can change with at least 30 days’ notice, taking effect from the next billing cycle.
- How to cancel. By logging into your account, or by the phone number or email in your dashboard, which the terms list as 1-855-443-7748 and customercare@identityguard.com. Cancellation takes effect at the end of your current billing cycle.
- Money-back window. Annual plans bought through Identity Guard’s websites or its customer support team can be refunded within 60 days of the initial purchase date. The plans page says you cancel online and request the refund by calling 1-855-443-7748.
- Otherwise non-refundable. Apart from that, the terms say amounts paid are non-refundable unless Identity Guard expressly says otherwise, and there’s no refund for canceling early.
- Employer and reseller plans. If you pay through payroll deduction, you cancel through your employer. Employer-paid, direct-enrollment and other reseller plans get no refund from Aura, with access until the end of the current month’s billing cycle.
- Free trials. The terms describe how a free trial works if one is offered, including canceling at least 24 hours before it ends to avoid a charge. The plans page we checked didn’t advertise a trial.
Other costs and things to check
- Taxes and fees. The terms say you’re responsible for any applicable taxes and for fees your bank or card issuer adds. Prices are in US dollars.
- How it shows on your statement. Identity Guard’s FAQ says charges may appear as Aura, Identity Guard (IDG) or BLS (BlueSnap, one of Aura’s payment processors). Aura is Identity Guard’s parent company.
- Temporary holds. The FAQ explains that a small pending charge may appear for verification and may be reversed once processed.
- Fewer features if verification fails. The terms say that if Identity Guard can’t verify your identity or its providers can’t deliver credit features, it may enroll you in a version with fewer features. Check your dashboard after signing up to make sure the credit features you paid for are active.
- Arbitration. US customers agree to resolve disputes through individual arbitration rather than in court or class actions.
Is Identity Guard worth the price?
It depends on which parts you’d actually use. Research-based, from its own pages, here’s how the tiers compare:
- Value is mostly dark web and transaction monitoring plus insurance. It doesn’t include credit monitoring, so it overlaps heavily with what free tools and a credit freeze can do.
- Total adds 3-bureau credit monitoring and bank account monitoring. It suits someone who wants credit alerts without managing them themselves.
- Ultra adds the credit lock, title monitoring, investment account monitoring and white glove fraud resolution. It’s the only tier with hands-on fraud remediation, which is what many people are really paying for.
No monitoring service can stop identity theft on its own; Identity Guard’s own pages say “No one can prevent all identity theft or monitor all transactions effectively.” A service alerts you and helps you recover. A credit freeze, which is free, is what actually stops most new accounts being opened in your name. Our Identity Guard review covers the pros and cons in more detail, and our explainer on identity theft protection covers what these services can and can’t do.
Not sure where to start?
Get a free audit of your search results and review profiles, with a prioritized fix list.
Get a free auditCheaper and free options
Our products don’t do credit monitoring, identity theft insurance or breach monitoring. Start with the free official tools, which cover much of what Value and Total offer:
- Credit freezes. The FTC says there’s no cost to place or lift a credit freeze, it doesn’t affect your credit score and it lasts until you lift it. Contact Equifax, Experian and TransUnion separately.
- Fraud alerts. The FTC says an initial fraud alert lasts one year and can be renewed.
- Free credit reports from annualcreditreport.com, and IdentityTheft.gov for reporting and recovery plans if the worst happens.
- Data broker opt-outs. Identity Guard doesn’t list data broker removal. Our data broker opt-out list shows how to do it yourself. Listings reappear, some sites ignore requests and public records stay public, so re-check regularly. Our guide to whether data removal services are worth it explains the limits of paid removal too.
- Your search results. Our free Reputation Scanner is launching soon. It’s a self-search tool that will find harmful results about you and draft removal requests you review and send yourself, with no account and no billing.
If you want a paid service for less, compare the entry plans. As of September 2026, IdentityIQ’s plans page listed Secure Basic at $8.49 a month, billed monthly, with daily single-bureau credit monitoring, which Identity Guard’s Value plan doesn’t include. Our IdentityIQ review covers what that plan leaves out. For a wider comparison, see our list of the best identity theft protection services and our Aura pricing guide. Check each company’s pricing page for current prices.
If the thing worrying you is what people find when they search your name, rather than your credit, our personal reputation management team can look at it through a free audit.
Frequently asked questions
How much does Identity Guard cost per month?
As of September 2026, billed monthly, Identity Guard costs $8.99 (Value), $19.99 (Total) or $29.99 (Ultra) for one adult, and $14.99, $29.99 or $39.99 for a family plan covering five adults and unlimited kids.
How much does Identity Guard cost per year?
The first year of an annual plan is discounted, and the offer varies. After that, annual plans renew at $107.88, $239.88 or $359.88 for individuals and $179.88, $359.88 or $479.88 for families, which is 12 times the monthly price.
Does Identity Guard offer a refund?
Annual plans bought through Identity Guard’s websites or customer support team can be refunded within 60 days of the initial purchase, requested by phone. Its FAQ says monthly plans aren’t eligible for refunds.
Does Identity Guard have a free trial?
Its terms explain how a free trial works if one is offered, but the plans page we checked in September 2026 didn’t advertise one.
Why is Identity Guard billed as Aura?
Identity Guard’s FAQ says Aura is its parent company, and charges may appear as Aura, Identity Guard (IDG) or BLS, one of Aura’s payment processors.
