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See what identity theft protection options exist for AAA members and learn about coverage plans.
Updated December 11, 2024
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AAA’s identity theft protection system is provided via ProtectMyID, which is powered by Experian (one of the main credit reporting agencies). If you’re an AAA member, you automatically get free access to ProtectMyID Essential, which includes both credit monitoring and a decent level of identity protection. Upgrading to higher subscription tiers adds more features, like child monitoring, triple-bureau monitoring, and public records monitoring.
But AAA’s identity theft protection service is only available to AAA members — if you’re already one, we definitely recommend trying out the ProtectMyID Essential subscription since it’s free. However, if you’re not interested in a AAA membership, there are plenty of other good identity theft protection services on the market.
Check out more recommendations from the SafeHome team:
AAA’s identity theft protection system comes with three tier-based subscriptions: ProtectMyID Essential, ProtectMyID Deluxe, and ProtectMyID Complete. Here’s a quick look at how much each subscription costs:
| Subscription | Cost |
|---|---|
| ProtectMyID Essential | Free (included with AAA membership) |
| ProtectMyID Deluxe | $10.95/month |
| ProtectMyID Complete | $17.95/month |
To sign up for ProtectMyID, you first need to be a AAA member. You can then sign up for the subscription tier that best suits your needs — you can do this via AAA’s site or by phone.
Below, we’ll take a quick look at what you get with each subscription tier:
This subscription provides access to Experian credit monitoring and reports, lost wallet protection, fraud resolution support, and up to $10,000 in identity theft insurance. But keep in mind the identity theft insurance is only available to AAA Premier members.
ProtectMyID Essential also includes some decent identity protection tools, such as dark web surveillance (only for Social Security Numbers and email addresses), a one-time online exposure scan, and Identity Health Score, which tells you how likely you are to become a victim of identity theft.
ProtectMyID Deluxe includes everything you get with the Essential subscription, and also adds other protections. This includes triple-bureau monitoring, Social Security number monitoring, real-time identity alerts via text or email, court records monitoring, and change of address alerts.
The Deluxe subscription also makes you eligible for $1 million in identity theft insurance, which is the industry standard.
ProtectMyID Complete includes everything you get with the Essential and Deluxe subscription. On top of that, it also adds Experian Credit Lock (lock your Experian credit file to prevent fraudulent access to it), child identity monitoring for up to 10 kids, and dormant credit card monitoring (lets you know if activity is spotted on a card that hasn’t been used in 6 months or more).
The Complete subscription also includes more advanced identity protection services, such as social media monitoring, sex offender monitoring, and alternative loan monitoring.
Yes, but only if you’re an AAA member. If you’re not a member, signing up for ProtectMyID requires that you first become an AAA member. This means you have to pay the required AAA membership fees, and then wait on confirmation of your membership.
If you’re an AAA member, you get free access to ProtectMyID Essential, which we think is worth trying out. It’s a bit limited, but still provides decent credit monitoring and identity protection. And if you feel like the service is right for you, it’s worth upgrading to one of the paid subscriptions depending on your needs — the Deluxe subscription is great for extra identity theft protection services, while the Complete subscription is ideal for families due to its child monitoring tools.
Finally, remember that AAA partnered with Experian to provide identity theft protection. We don’t consider this a huge issue, but some potential customers might prefer identity theft protection from a company not directly connected with one of the credit bureaus.
There are three identity theft protection levels offered by Identity Guard, each with an individual or family plan option.
Do you want basic identity theft protection? Choose the Value plan, and receive data breach notifications, dark web monitoring, $1 million in identity theft insurance, and a password manager that secures your logins.
The Total plan offers the features of the Value Plan, along with bank account monitoring, credit monitoring from the three credit bureaus, and your monthly credit score.
The Ultra plan offers all the features of the Total Plan, along with social media monitoring, 401K and investment account monitoring, home title monitoring, and Experian Credit Lock.
LifeLock provides a variety of services that helps protect customers against identity theft, and helps them recover if identity theft occurs while the person is a LifeLock customer. This service has two tier-based subscriptions: Standard and Ultimate Plus.
The Standard plan offers up to $25,000 in personal expense compensation, up to $25,000 in stolen funds reimbursement, Social Security number monitoring and alerts, and one-bureau monitoring. The plan also includes access to U.S. based identity restoration specialists, lost wallet protection, data breach notifications, and dark web monitoring.
The Ultimate Plus plan includes everything in the Standard plan, and also adds up to $1 million in stolen funds reimbursement, up to $1 million in personal expense compensation, social media monitoring, home title monitoring, triple-bureau monitoring, phone takeover monitoring, and more. This subscription can be bought for an individual or two adults.
IdentityForce boasts more than 40 years experience in identity theft protection. Customers receive 24-hour support, real-time alerts, and identity recovery assistance.
The IdentityForce UltraSecure plan provides identity theft insurance of up to $1 million, identity restoration services, dark web monitoring, advanced fraud monitoring, and real-time alerts.
And if you’re not on a budget, the UltraSecure + Credit plan could be worth it since it adds even more features. This includes triple-bureau monitoring, up to $2 million in identity theft insurance, phishing monitoring, and daily TransUnion credit reports and scores.
© Identity Guard All Rights Reserved. Identity Guard, Total Protection, Monitor, Protect and Recover and associated designs are trademarks or federally registered trademarks of Intersections Inc. Equifax is a registered trademark of Equifax Inc., and other trademarks are trademarks of their respective owners.
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.
