IdentityIQ Identity Theft Protection Cost and Pricing Plans

For an industry that requires trust, most people looking for the best identity theft protection services go with a well-known brand like LifeLock by Norton. But, there are still smaller or newer companies that offer great identity theft protection. You just need to know where to find them.

IdentityIQ is one of the newer identity monitoring services out there, but it’s quickly made a name for itself. The company offers identity theft insurance of up to $1 million on all of its plans, and its Max plan covers family members for free. Are these features worth your investment in 2025, though?

Below, we offer our complete breakdown of IdentityIQ’s four subscription options and let you know just what you get for the money.

IdentityIQ Plans

IdentityIQ Subscription Information

IdentityIQ has four plans available: Secure Basic, Secure Plus, Secure Pro, and Secure Max. With each plan, you’ll get a varying level of protection. With Secure Basic, for instance, you’ll get one-bureau credit monitoring, but with Secure Pro and Max, you’ll benefit from comprehensive monitoring across all three major credit bureaus.

Pretty simple, right? Well, in addition to the four plans, IdentityIQ offers plans with identity monitoring and device protection. Each of the four plans above can be paired with a Bitdefender Total Security subscription, which gives you access to Bitdefender’s antivirus software and virtual private network. That brings the total up to eight unique plans.

Since Bitdefender only adds a few dollars to the plan, we felt like the value was there. So, we tested Bitdefender’s internet security and antivirus software as well. To cut to the chase, the antivirus software was surprisingly good and actually made our list of the best antivirus software available. But, it didn’t stack up against our favorite VPNs.

Now, each of those eight plans gives you the flexibility to pay monthly or annually. The monthly plans offer more flexibility, letting you adjust your service as needed. However, the annual plans save you 15 percent off the total cost.

If all that information got you scratching your head, perhaps this table will make it easier to digest.

Hidden Deals and Discounts

The advertised prices listed on IdentityIQ’s homepage are competitive with other major providers. Identity Guard’s cost options, for instance, include $29.99 per month for an Ultra plan. Lifelock’s price on its most expensive plan runs similar to IdentityIQ’s Max plan.

Fortunately, we found a hidden page with an extra 20 percent off their Secure Pro, Secure Plus, and Secure Max plans. Additionally, customers who commit to annual subscriptions can save up to 35 percent compared to monthly billing.

Free Trial and Money-Back Guarantee

While IdentityIQ doesn’t prominently advertise free trials, we found they offer a seven-day trial of their premium Secure Max service for just $1. After the trial period, the subscription automatically converts to the regular monthly rate. Make sure to cancel before that point if you decide the service isn’t right for you. Still, we think it’s always better to be able to check a service out before you make a commitment. Of course, you could also use the 30-day money-back guarantee to try the service out as well, though you’ll need to contact customer service directly to process the refund.

What Does IdentityIQ Cover?

IdentityIQ includes all the services we’d expect from a full-service monitoring agency. These include credit reports, dark web monitoring, and constant scans of any public and court records. Plus, IdentityIQ includes a few extras like application monitoring and complete Social Security number tracking. Of course, as with most services, the more we pay, the more we get, but even its lowest-tier option offers strong protection and a $1 million insurance policy.

Here are the features of IdentityIQ, but for a more detailed look, check out our IdentityIQ review.

• Daily credit monitoring: With all four of its plans, IdentityIQ sends us daily monitoring alerts letting us know if there have been any changes to our credit. If we see anything suspicious, it’s easy to contact IdentityIQ professionals who quickly investigate further.
• Dark web monitoring: Most of the trading and selling of stolen identity data takes place on the dark web. Enough information for proof of identity sells for an average of $16.52.1 With over 24 billion username and password combinations readily available, the odds of your info being for sale is higher than you’d think.2 By constantly scanning the dark web, IdentityIQ helps ensure that our credentials aren’t being bought and sold to the highest bidder. But, it didn’t make our list of the best identity theft protection services with dark web monitoring.
• Lost wallet: Obviously, if our wallets are stolen, we’re most worried about canceling our credit cards. But thieves can make use of our identification and Social Security cards, as well. IdentityIQ helps us put our life back in order if something like this happens, not just canceling our cards but also helping to make sure that no one else can take over our identities.
• Credit scores and reports: Additionally, for its Secure Plus tier, IdentityIQ provides an annual Experian credit score. With the Secure Pro plan, we got bi-annual credit reports from all three bureaus, Experian, Equifax, and TransUnion. And with the Secure Max plan, those reports came monthly. Even though IdentityIQ gives monthly reports, which is better than most, it doesn’t beat the IBM Wattson monitoring of our favorite identity theft protection service with credit monitoring, Identity Guard.
• SSN monitoring: Most identity monitors keep an eye on our Social Security number by looking for any association of that number with the wrong address. IdentityIQ goes one step further: they actually take note of every time our Social Security number is used, looking for any instances that might not make logical sense.
• Application monitoring: In addition to monitoring every time that our Social Security numbers are being used, IdentityIQ also looks closely at every single application filed under our names to make sure that we are actually the ones filling it out. This doesn’t just include applications that run credit checks, but every single application where our names appear.
• Public and court records: IdentityIQ is constantly checking public and court records to ensure that our data isn’t showing up any place where it shouldn’t be.

Identity monitoring isn’t the only way to protect yourself in today’s wired world. Check out our complete guide to digital security.

Favorite Features

There were also a number of features we got with IdentityIQ that we especially like.

• Enhanced credit monitoring: IndentityIQ’s enhanced credit monitoring keeps a close watch on all our financial behaviors, looking for even the slightest sign of anything out of the ordinary. They know instantly if a bank card or a retail card goes over its limit, immediately notifying us if there’s even a 10 point change in our Transunion credit score. They even keep up with our collection balances so we know immediately if they increase or decrease. Sure, there are times that means that we get a lot of email and text alerts. More alerts, though, only remind us that someone is looking out for us.

• Several plan options, including a whole family plan: We like choices, and IdentityIQ gives us four different plan options to choose from. One of those is the Max plan, specifically designed for families. It covers up to four children under the age of 18. We’re single, but we’d certainly recommend a plan like this one to all our friends with children, since child identity theft is a growing problem. No matter which plan we chose, though, even the cheapest, the Secure plan, we had daily credit alerts and dark web monitoring.
• Reimbursement available on all plans: One of the best things about IdentityIQ is that no matter which plan you go with, you’re covered by a safety net. In the event that your identity is stolen, IdentityIQ will reimburse you up to $1 million in stolen funds. Just in case anyone goes on a shopping spree with your credit card, it’s nice to know that you won’t be liable for a single penny, or at the very least, you’ll get a reimbursement.
• Personalized help from case managers: We’re one of the few lucky ones: we’ve never had to go through the awful process of dealing with identity theft. If we ever do, though, it’s good to know that IdentityIQ has professional case managers who will work on our individual case, talk us through what’s happened, and make sure that absolutely everything is put right again.
• Score simulator: Ever wonder what would happen to your credit score if you took out a new loan or opened another credit card? Or curious about how paying off debt might boost your score? IdentityIQ’s score simulator lets you know how a big purchase or loan decision might affect your credit, a handy tool to use before making big decisions.

Cancellation Policy

According to IdentityIQ’s terms and conditions, we can cancel our service by contacting the company by phone at 877-875-4347 and talking directly to a customer representative. It’s not the easiest process, so be prepared. They don’t even publish this phone number outside of their member pages! It also takes 24 to 48 hours to process cancellations which you’ll need to plan for to avoid an extra billing period.

Privacy Policy

Because it’s located in the U.S., IdentityIQ is subject to the Five Eyes surveillance jurisdiction. Some people may be uncomfortable knowing that government agencies can keep track of their financial information. That’s true of every U.S-based identity monitoring service, though.

Personally, we’re more concerned with the company’s data sharing practices. Their privacy policy indicates they may share certain information with affiliated partners for service delivery purposes. They state they collect names, addresses, email addresses, and “other personal or identifiable information.” While they maintain security measures to protect this data, users should be aware that some information sharing occurs as part of their business operations.

Recap

Each of IdentityIQ’s four tiers offers good value for the money. In addition, IdentityIQ is one of the few companies to offer a plan specifically designed for families (the Max Plan). On the downside, their data sharing practices may concern privacy-conscious users, and for IdentityIQ’s price point, we’d expect more transparent policies. We’re also troubled by the way the company doesn’t prominently display certain information, like discounts, annual plans, and cancellation procedures. Ultimately, we’d say this monitoring company is fine as long as you don’t mind the data collection, the somewhat confusing website, and the lack of a mobile app.