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With subscription options similar to our top-pick identity theft protection service, GEICO is a solid, affordable option.
Updated November 17, 2025
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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.
We also appreciate how all subscriptions come with the same features. The only difference is how many people are covered. 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 offers three subscription options. Unlike other identity theft services with tiered feature sets, each option 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’ll also receive opt-out services to help protect your privacy. This feature reduces unwanted marketing calls and pre-approved credit card offers by removing your information from marketing databases. The Online Data Protection Suite Windows application also helps protect your computer from malware threats.
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 round-the-clock access to identity theft resolution specialists who can help you through the recovery process if your identity is stolen. You’re covered by up to $1 million in identity theft fraud insurance, which is 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.
We think GEICO’s identity theft protection delivers on the core essentials. It lacks some advanced monitoring capabilities found in premium services. For example, you won’t find social media account monitoring, 401(k) and investment tracking, home title alerts, or sex offender registry reports like we’ve seen from other providers.
Pro Tip: If you’re already a GEICO customer, check if you qualify for bundle discounts when adding identity theft protection to your existing policies.
We think GEICO identity theft protection offers the essentials at a reasonable price. You get the core monitoring and recovery services, plus Windows antivirus protection as a bonus.
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.
You can choose between individual or family coverage across three protection tiers. The Value plan includes dark web monitoring, data breach notifications, and $1 million in identity theft insurance. Total offers triple-bureau credit monitoring and bank account tracking. The Ultra tier adds investment account monitoring, criminal and sex offender alerts, plus social media surveillance.
LifeLock has both standalone plans, and is included in a bundle with Norton 360 (a really good antivirus).
The standalone plans come in Standard, Advantage, and Ultimate Plus tiers. Standard covers the basics with single-bureau monitoring, stolen wallet protection, and $25,000 in stolen funds reimbursement. Advantage comes with $100,000 in reimbursement plus enhanced alerts. Ultimate Plus goes all-in with sex offender registry reports, 401(k) monitoring, and home title protection.
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.
The UltraSecure plan features dark web scanning, advanced fraud detection, dedicated restoration support, and $1 million in identity theft insurance. UltraSecure+Credit gets you triple-bureau monitoring, anti-phishing protection, and doubles your insurance coverage to $2 million. This is one of the highest in the industry.
