AAA was founded in 1924 as a nonprofit federation of clubs and currently has 56 million members in the United States and Canada. AAA uses Experian ProtectMyID to provide its customers with identity theft protection. Experian provides information, analytical tools, and marketing services.

Rank Chart
Price
Identity Protection
Review

#1

$8.99-$29.99

#2

$9.95-$19.95

#3

$12.95-$19.95

#9
aaa-id-protection

$0-$25.49

The Good

  • Affordable price
  • Lost wallet assistance
  • Identity theft insurance

Affordable Price

AAA offers two plans, one of which is free for AAA members and the other only costs $8.95 per month, which is relatively low when compared to prices of other companies in the industry.

Lost Wallet Assistance

AAA offers lost wallet assistance as a part of its service. Customers can securely store debit card and medical card numbers in one safe place, as well as cancel and replace cards with a single phone call in the event of a lost or stolen wallet.

Identity Theft Insurance

AAA provides its customers with up to $1 million in identity theft insurance, so customers can rest assured that they will be covered in the event of identity theft.

The Bad

  • No credit restoration
  • Card limits

No Credit Restoration

In the event of identity theft, AAA does not offer credit restoration services. For example, the company does not provide its customers with legal support or limited power of attorney to help restore their credit.

Card Limits

AAA will only monitor and protect up to three cards per account. Additionally, the company requires customers to manually add the cards that they would like to be protected.

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The Bottom Line

AAA offers affordably priced identity protection that includes lost wallet assistance and identity theft insurance. However, the company does not provide credit restoration and places a limit on the number of cards that may be monitored and protected.

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More Information

Price Breakdown

ProtectMyID Essential- Free with AAA membership

  • Credit report monitoring: Experian credit report monitoring
  • Alerts: Alerts covering Experian credit report
  • Identity theft insurance:  $10,000 in identity theft insurance
  • Fraud resolution support:  A dedicated agent to help investigate and resolve fraud
  • Lost wallet assistance:  Securely store debit card and medical card numbers in one safe place, as well as cancel and replace cards with a single phone call

ProtectMyID Deluxe- $8.95 per month

  • Credit report monitoring: Experian credit report monitoring
  • Alerts: Alerts covering Experian credit report
  • Identity theft insurance:  $10,000 in identity theft insurance
  • Fraud resolution support:  A dedicated agent to help investigate and resolve fraud
  • Lost wallet assistance:  Securely store debit card and medical card numbers in one safe place, as well as cancel and replace cards with a single phone call
  • Internet scanning:  Confidential daily scans on illegal websites and chat rooms looking to see if identity information is being exposed
  • Change of address notification:  National database checks to ensure addresses have not been wrongfully changed
  • ChildSecure:  Alerts customers if a credit report is detected using their child’s information
  • Experian PLUS Score:  An Experian PLUS Score automatically sent upon enrollment

Contract Details

Legal Costs

Legal defense fees and expenses are covered under AAA’s identity recovery services, including criminal defense for charges brought against members as result of a stolen identity event. However, AAA will only pay for those specific fees after an acquittal or after charges have been dropped.

Reporting

Medical identity theft is considered an identity theft event under AAA’s program. For any identity theft event coverage, members must report the event within 90 days of discovering it in order to receive recovery services.

Additional Insurance

If members have another insurance policy—such as homeowners or renters insurance—that can apply to a loss due to the identity theft event, AAA requires that the alternate insurance pay first. After that, AAA will cover the rest of the qualifying fees up to their applicable benefit limits. Members with multiple program memberships with AAA will be reimbursed under each one, but the total amount received cannot exceed the actual amount of loss the member has directly experienced due to the identity theft event.

Company History

AAA was founded in 1924 as a nonprofit federation of clubs and currently has 56 million members in the United States and Canada. AAA uses Experian ProtectMyID to provide its customers with identity theft protection. Experian provides information, analytical tools, and marketing services.

Frequently Asked Questions

What is identity theft?

Identity theft is a data breach of personal and financial information.

How much does AAA cost?

AAA’s identity protection services range from $0 to $8.95 per month.

Does AAA allow me to protect my whole family?

The company’s coverage is for individuals only. Children can be monitored with the Deluxe plan, but the limitations on this are not defined.

How does AAA protect my identity?

AAA protects its customers’ identities through daily credit monitoring, fraud resolution support, lost wallet assistance, text and email alerts, and internet scanning.

Does AAA provide identity theft insurance?

Yes, the company offers up to $1 million in identity theft insurance coverage.

Does AAA monitor my bank accounts?

No, AAA does not offer bank account monitoring.

Does AAA offer any promotions?

AAA provides its members with the Essentials plan for free.

How can I contact AAA?

Consumers may contact the company by phone at 877-440-6943.

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

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2 AAA ID Protection Reviews

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  1. User Score

    10

    March 31st, 2016 Cincinnati, OH

    I have the free Protect My Id through AAA. I receive an email from Protect my ID every month telling me everything is ok. The day I applied for a used car loan, Protect My ID emailed me to say that someone had accessed my credit report. Now I would say that is extremely useful- if I had not applied for any loads or credit I would know something was wrong!

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  2. User Score

    1

    August 24th, 2015 West Hartford, CT

    I just signed up for this service thru AAA.
    Shame on AAA. A far as I can tell, it is NEXT TO WORTHLESS! Most of the pages just try to sell me additional protection services. Some of the services they try to sell , I can request BY LAW FOR FREE.
    (The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months.)
    Since this “service” is so poor & obviously just an ad to sell their upgraded service, I would guess that AAA is getting some of the profit. This is NOT good for the image that AAA should want to project.
    For the price they want to charge for “upgraded” service, there are other products that will give you better service.
    I gave it a 1, because it is free (via AAA) and better than nothing, but just barely

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