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With subscription options similar to our top-pick identity theft protection service, GEICO is a solid, affordable option.
Updated December 9, 2024
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GEICO’s identity theft protection system is pretty good since it comes with essential credit monitoring and identity protection services. This includes triple-bureau monitoring, up to $1 million in identity theft insurance, 24/7 identity theft resolution support, and credit and identity monitoring alerts.
Plus, we like how all subscriptions come with the same features, and just differ in coverage — GEICO has plans for individuals, couples, and families.
That said, there are better options on the market. Many competitors provide similar coverage, have the same essential features, and also come with additional tools, like social media monitoring, 401(k) investment monitoring, and home title monitoring.
Check out more recommendations from the SafeHome team:
GEICO’s identity theft protection system comes with three subscriptions. But they’re not tier-based, as each subscription provides access to the same features.
The only difference is the coverage — the Individual subscription provides identity protection for one adult, the Couple subscription for two adults, and the Family subscription for two adults and up to six children or dependents.
Here’s a quick look at the provider’s pricing structure:
| Subscription | 1-Month Plan Price | 1-Year Plan Price |
|---|---|---|
| Individual | $7.99 per month | $79.00 per year |
| Couple | $8.99 per month | $89.00 per year |
| Family | $9.99 per month | $99.00 per year |
Getting started with our GEICO identity theft protection subscription.
GEICO’s identity theft protection service provides pretty good monitoring. Its digital security experts monitor the web for signs of leaked logins associated with you. Also, it provides triple-bureau monitoring, and it has a tool that lets you check if your email address has been compromised.
You also get opt-out services, which means GEICO will protect your privacy by reducing your exposure to marketing phone calls and pre-approved credit card offers. In addition, you get the Online Data Protection Suite, which is a Windows app that secures your device against malware infections.
GEICO’s system also provides credit and identity monitoring alerts. It sends you notifications when it detects suspicious activity involving your personal data, and when someone tries to use your identifying data in a transaction or to access an account. In terms of credit alerts, it notifies you when it detects changes to your credit profile, like opened accounts, new inquiries, or bankruptcy.
You also get access to 24/7 identity theft resolution specialists, and up to $1 million in identity theft fraud insurance (this is the industry standard). GEICO can also provide assistance with identity theft affidavits to dispute fraudulent activity. Plus, it provides assistance with placing a freeze on new credit lines, disputing fraudulent occurrences and following up on them, and notifying local authorities (like your bank) about canceling and replacing stolen or missing items.
Overall, GEICO’s identity theft protection service is pretty good, but it’s still missing many advanced protection tools that you get with top identity theft protection systems. This includes features like social media monitoring, 401(k) investment account monitoring, home title monitoring, or sex offender registry reports.
GEICO’s identity theft protection system provides good value, and it’s also pretty affordable. It comes with essential credit monitoring and identity protection features, and it also provides antivirus protection (only on Windows, though).
That said, if you’re looking for a more comprehensive identity protection system, there are better options out there. Most of those providers include access to extra credit monitoring and identity protection features, and also come with additional security tools, including an antivirus, a VPN (to secure your web traffic), and a password manager that protects your logins.
Identity Guard offers secure credit monitoring, personalized identity theft protection, and credit protection. The company provides comprehensive plans with fast alerts, identity theft recovery services and reimbursement.
Consumers have the option of choosing an individual plan or a family plan among each of the three levels of identity theft protection. With the Value plan, you get dark web monitoring, data breach notifications, and up to $1 million in identity theft insurance. The Total subscription adds triple-bureau monitoring and bank account monitoring. And the Ultra plan adds 401(k) investment monitoring, criminal and sex offense monitoring, and social media monitoring.
LifeLock has both standalone plans, and is included in a bundle with Norton 360 (a really good antivirus).
The standalone plans are split into Standard, Advantage, and Ultimate Plus. With Standard, you get single-bureau monitoring, stolen wallet protection, and up to $25,000 in stolen funds reimbursement. The Advantage plan ups the stolen funds reimbursement to $100,000, and adds a variety of alerts. And the Ultimate Plus subscription adds sex offender registry reports, 401(k) investment monitoring, and home title monitoring.
If you get the LifeLock-Norton 360 bundle, you get access to more or less the same features that are available on the LifeLock Standard subscription. In addition, you also get access to an antivirus, a password manager, and a VPN.
IdentityForce offers plans for individuals and families, and it provides great credit and identity monitoring.
Its UltraSecure plan comes with dark web monitoring, advanced fraud monitoring, a dedicated restoration specialist, and up to $1 million in identity theft insurance. And the UltraSecure+Credit subscription adds triple-bureau monitoring and phishing monitoring, and also increases the identity theft insurance to $2 million.
