Allstate identity protection review 2025
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Identity theft has become an unprecedented threat, with Americans losing an astounding $43 billion to identity fraud this year alone. It has grown more dangerous, with cybercriminals using AI-powered attacks and advanced deepfake technology to execute utterly devastating financial schemes.
Over 3,205 data breaches occurred in 2023, shattering the previous record by 72%. This is an alarming scale of data exposure. Such breaches have compromised the personal information of more than 353 million people, and the threat of digital account fraud has reached a peak. As many as 13.5% of all digital accounts opened globally are suspected of being fraudulent.
As a cybersecurity researcher at Cybernews, I’ve worked closely with our research team to extensively analyze Allstate Identity Protection to determine how effectively it guards against these growing threats. Originally known as InfoArmor before its 2018 acquisition by Allstate, this service has evolved to become a significant player in the identity protection space.
In this review, I'll examine how Allstate Identity Protection performs across all aspects of identity security, from its credit monitoring capabilities to its recent security enhancements. I'll also help you understand whether its three distinct service tiers – Essential, Premier, and Blue – provide sufficient value for their cost and how recent platform improvements have enhanced the user experience.
Allstate overview
Having gone through extensive testing and analysis of multiple options, I can say Allstate Identity Protection really provides a complete set of identity protection services, as well as three specific tiers of protection to suit your identity safety needs. As InfoArmor transformed into its current iteration, the company fortified its stature, likewise growing to serve over one million users, including employees at more than 100 Fortune 500 firms.
| Rating: | 4.0 |
| Starting price: | From $9.07 per month (with annual plan) |
| Identity theft insurance: | Essential: $1M with $50K stolen funds limit Premier: $1M with expanded coverage Blue Family: Up to $2M |
| Credit monitoring: | Essential/Premier: TransUnion only Blue: All three bureaus |
| Dark web surveillance: | All plans |
| Family protection: | Up to 10 members |
| Customer support: | 24/7 U.S.-based service |
| Digital security suite: | Blue plan only (VPN, password manager, antivirus) |
The service stands out for its robust family coverage options, protecting up to 10 family members under a single plan. During my investigation, I found the platform's credit monitoring capabilities vary significantly by tier, from basic TransUnion monitoring to complete three-bureau coverage in the Blue plan. What particularly impressed me was the addition of cybersecurity tools in higher tiers, including VPN service, password management, and advanced digital safety features for families.
Allstate: pros and cons
After extensively testing Allstate Identity Protection across all plan tiers and analyzing real user experiences, I've identified several significant strengths and limitations that potential subscribers should consider.
During my testing, I found Allstate Identity Protection excels in family protection and identity restoration support. The dedicated Privacy Advocates provide valuable assistance when needed, and the monitoring features work effectively across all plans. However, users focusing on comprehensive credit monitoring should note that only the Blue plan offers three-bureau coverage, while lower tiers monitor exclusively through TransUnion.
What does Allstate Identity Protection do?
Allstate Identity Protection defends against identity theft through comprehensive monitoring and protection services. The platform scans financial accounts, dark web sources, and social media for potential threats while providing credit monitoring through TransUnion, expanding to all three bureaus in the Blue tier.
The service actively tracks financial transactions and alerts users to suspicious activities. Its dark web surveillance scans hundreds of thousands of web pages daily for compromised personal information. If identity theft occurs, dedicated Privacy Advocates provide 24/7 assistance and manage the entire recovery process, from credit freezes to fraud resolution.
All plans include identity theft insurance: Essential offers $1 million coverage with a $50,000 stolen funds limit, while the Blue family plan provides up to $2 million in coverage.
Allstate Identity Protection features
Allstate Identity Protection’s feature set varies significantly across plan tiers. Here's a detailed breakdown of what each plan offers:
| Feature | Essential | Premier | Blue |
| Monthly Cost (Individual) | $9.99 | $17.99 | $19.00 |
| Monthly Cost (Family) | $18.99 | $34.99 | $36.00 |
| Credit Monitoring | TransUnion | TransUnion | All bureaus |
| Credit Reports | TransUnion | TransUnion | All bureaus |
| VantageScore Updates | Monthly | Monthly | Monthly |
| Dark Web Monitoring | ✅ | ✅ | ✅ |
| Financial Transaction Alerts | ✅ | ✅ | ✅ |
| Identity Theft Insurance | $1M ($50K stolen funds) | $1M | Up to $2M |
| Digital Security Suite | - | - | ✅ |
| Family Coverage | Up to 10 | Up to 10 | Up to 10 |
| 24/7 Support | ✅ | ✅ | ✅ |
Allstate makes credit monitoring capabilities highly dependent on your plan tier. Although all plans include TransUnion monitoring and monthly VantageScore updates, only the Blue plan includes coverage for all three bureaus.
This service is best for proactive protection as dark web monitoring scans hundreds of thousands of web pages every day for compromised information.
The Blue plan impresses with its all-in-one digital security suite, which includes a VPN, antivirus protection, and password manager.
This extra layer of cybersecurity tools works to stop identity theft before it happens instead of only monitoring for it.
Family protection remains consistent across all tiers, allowing up to ten family members under a single plan. This includes monitoring for children and elderly relatives, with specialized alerts for senior-specific fraud attempts in higher tiers.
How much does Allstate Identity Protection cost?
Allstate Identity Protection offers three distinct pricing tiers, each available for both individuals and families:
| Plan | Individual Monthly | Family Monthly |
| Essential | $9.99 | $18.99 |
| Premier | $17.99 | $34.99 |
| Blue | $19.00 | $36.00 |
Essential Plan
The entry-level tier provides foundational protection at $9.99 monthly for individuals or $18.99 for families. This plan includes TransUnion credit monitoring, dark web surveillance, and $1 million in identity theft insurance with a $50,000 stolen funds limit.
Premier Plan
The Premier plan maintains single-bureau credit monitoring at $17.99 for individuals and $34.99 for families while adding expanded stolen funds coverage and enhanced financial monitoring capabilities.
Blue Plan
For $19.00 per individual or $36.00 per family monthly, the Blue plan delivers comprehensive protection, including three-bureau credit monitoring, a complete digital security suite – VPN, antivirus, and password manager – and up to $2 million coverage for family plans.
All plans offer a 30-day free trial, though credit card information is required at signup.
Value Comparison
Compared to major competitors, Allstate offers exceptional value, particularly for families. While LifeLock's plans range from $11.99 to $34.99 monthly but only cover two adults and five children, and Identity Guard charges $8.99-$29.99 for coverage of five adults and unlimited kids, Allstate's coverage of up to 10 family members at $36.00 monthly represents significant value.
All plans include a 30-day free trial (credit card required). While competitors like LifeLock attract users with lower first-year pricing, Allstate's consistent pricing and generous family coverage make it particularly attractive for long-term protection. Combined with its generous family coverage and included premium features like VPN and password management in the Blue plan, Allstate provides strong long-term value for larger households.
Who can benefit the most from using Allstate Identity Protection?
Based on my extensive testing and analysis, I've identified several user groups who would find particular value in Allstate Identity Protection's services:
- Large families – The service excels for larger households. A far better deal than your average competitor that only covers two adults, Allstate provides policies for as many as ten family members. Especially attractive for multi-generational households is its ability to protect both children and elderly relatives under one subscription.
- Digital security enthusiasts – The Blue plan will enrich the lives of digital security enthusiasts who want to digitally protect all aspects of their lives. Bundled VPN, password manager, and antivirus protection can work as an all-in-one security solution, and you won't have to get separate subscriptions for these services.
- Seniors and their caregivers – Specific monitoring of attempts to defraud seniors – a huge and growing problem – makes this a worthwhile option for elderly users or their adult children tasked with keeping them safe online. The Premier and Blue plans offer expanded protections against some of the most common senior-targeted scams and financial fraud.
- Budget-conscious protection seekers – The Essential plan offers good protection for anyone wanting basic identity monitoring without a huge financial outlay. Although it lacks three-bureau credit monitoring, it does provide important services like dark web monitoring and identity theft insurance.
- Corporate benefit recipients – Given Allstate's strong presence in employer-provided benefits – serving upwards of 100 Fortune 500 companies – employees who can access the service through corporate benefits may receive preferred pricing and enhanced features.
However, the best plan for you will depend on your specific needs and circumstances. Let's look at what actual users have to say about their experiences with the service.
Allstate Identity Protection user reviews
My analysis of user feedback across major review platforms reveals mixed experiences with Allstate Identity Protection. While the service maintains a positive 4.0 rating on Trustpilot with 279 reviews, feedback on other platforms highlights some concerning patterns.
The Better Business Bureau gives Allstate Identity Protection an A+ accreditation, though user reviews average just 1.11 out of 5 stars. Common complaints focus on account access difficulties and customer service response times. Several users report challenges with login systems and alert reliability, while others mention confusion over enrollment processes, particularly through employer benefits programs.
Most of the positive statements focus on the family protection features and identity theft insurance coverage offered by the service. However, the analysis from Security.org shows minimal credit bureau monitoring and an opaque privacy policy. The service's response to this kind of complaint seems consistent, at least, as various representatives seem to be taking the initiative to reach out and check for complaints and offer refunds.
Our methodology
A thorough review takes more than reading promotional materials or skimming other articles. Our specialists have developed and refined specific testing criteria to examine how Allstate Identity Protection performs in real-world conditions. We focus on five key components of identity theft protection, each weighted according to its importance in keeping you safe.
- Protection features (30%): Our team investigates fundamental security features, including single- and three-bureau credit monitoring, dark net monitoring, Social Security number tracking, and financial account monitoring.
- Monitoring and alerts (25%): We evaluate the effectiveness of the alert system by testing response times, alert accuracy, and whether customization options are available for different potential threats and suspicious activities.
- Recovery services (20%): Through detailed testing, we evaluate the responsiveness and effectiveness of Privacy Advocates, examine insurance coverage terms, and verify the quality of identity restoration support.
- User experience (15%): We test every aspect of the platform experience, from initial setup through daily use, including mobile app functionality, dashboard navigation, and educational resource accessibility.
- Value for money (10%): We compare pricing across all tiers against feature availability, analyzing family coverage options and overall value compared to major competitors in the identity protection space.
For more details, read about our testing and methodology.
Other identity theft protection services you might be interested in:
Conclusion
After testing and researching the various features available, I’ve concluded that Allstate Identity Protection provides a mixed but compelling value proposition. Its greatest appeal would be family coverage since it offers affordable coverage for up to ten different people living in the same household, compared to most of its competitors, which will only insure two adults.
It is well-tiered in terms of service structure. The Essential plan provides strong fundamentals at a relatively low price of $9.99 per month. The Premier plan offers some handy features, and the full digital security suite and three-bureau monitoring on the Blue plan make the slight price increase worthwhile.
However, potential subscribers should consider some limitations. Lower-tier plans only monitor through TransUnion, and some users report challenges with system reliability and customer service responsiveness. While recent platform improvements show promise, especially in the digital security features of the Blue plan, users primarily seeking credit monitoring might find better value elsewhere.
Allstate Identity Protection is most useful to big families looking for all-around protection and people who would benefit from the Blue plan’s all-in-one security approach. For these users, the service's overall great coverage and competitive pricing for families outweigh its downsides.
FAQ
What is Allstate identity restoration?
Allstate's identity restoration service provides dedicated Privacy Advocates who handle identity theft recovery 24/7. These specialists manage the entire restoration process, from implementing credit freezes to working with financial institutions, saving victims from the typical 100-200 hours of independent recovery work.
What is the mission of Allstate Identity Protection?
Allstate Identity Protection aims to provide comprehensive identity theft prevention and recovery services. Evolved from InfoArmor after its 2018 acquisition by Allstate, the service combines proactive monitoring, digital security tools, and hands-on recovery assistance to protect users' identities and financial well-being.
Can I return an Allstate protection plan?
Yes, Allstate Identity Protection offers a 30-day free trial period for all personal plans. Credit card information is required at signup. You can cancel during this period for a full refund and cancel at any time without penalty after the trial.
Does the Allstate Protection Plan cover theft?
Yes, Allstate Identity Protection includes identity theft insurance that varies by plan tier: The Essential plan offers $1 million coverage with a $50,000 stolen funds limit, the Premier plan provides $1 million coverage with up to $500,000 stolen funds reimbursement, and the Blue family plan includes up to $2 million coverage with $1 million stolen funds reimbursement.
Do I have to activate Allstate Protection Plan?
Yes, you have to activate your Allstate Identity Protection plan to access your monitoring services. This includes your verification steps, monitoring preferences, and tracking information. Other features, such as social media monitoring, require additional activation steps.
How does credit monitoring differ between plans?
Essential and Premier plans monitor TransUnion only, providing monthly VantageScore updates. The Blue plan monitors all three bureaus – TransUnion, Experian, and Equifax – and provides reports from each.
How does family coverage work?
Family plans cover up to 10 members, including children and seniors over 65. Each family member gets individual monitoring and customized alerts. Adult family members maintain separate login credentials for privacy, while parents manage children's protection through their accounts.
Can I freeze my credit through Allstate Identity Protection?
Yes, the service assists with credit freezes at all three bureaus. The Blue plan includes an in-portal TransUnion credit lock capability for instant protection.
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