The 5 worst states for identity theft and fraud

Identity theft and fraud affect millions of people in the United States each year.

According to the Bureau of Justice, in 2014 17.6 million people experienced identity theft.

Earlier this year, Equifax, one of the country’s top credit reporting agencies, faced its own security breach which left at least 143 million people’s personal data at risk for fraud.

Now a new study breaks down identity theft and fraud risk by state. WalletHub compared data from all 50 states and the District of Columbia to help readers see their level of risk and, hopefully, protect themselves.

It’s an interesting way to look at our country and your home state.

8 Factors Used To Study Fraud

The WalletHub researchers decided to look at identity theft, fraud and related policies. They judged these three major themes using eight factors, including:

  • Complaints per capita
  • Average loss amount due to online identity theft
  • Fraud and other complaints per capita
  • Average loss amount due to fraud
  • Persons arrested for fraud per capita
  • Availability of security-freeze law for minors’ credit reports
  • Availability of identity-theft passport program
  • Compliance with the REAL ID Act

In other words, the study looked at how many people are affected by fraud in each state and how the state is working to protect the public. All of these factors were given a point value and then combined for a final score based on 100 points (meaning the most vulnerable.)

The 5 Worst States For Identity Theft And Fraud

WalletHub’s results ranked each state by these guidelines and published its results. Here’s a countdown of the five states where residents are at the highest risk for identity theft and fraud:

5. Georgia

With a total score of 66.48 points, Georgia’s had the third highest number of complaints of fraud per capita. It also ranked at No. 7 on the identity theft scale.

Flickr | Harshil.Shah

4. Florida

Florida took the No. 4 spot thanks to its total score of 67.55. Contributing to its performance was its third-place finish in the most identity theft complaints per capita standings, as well as a tie for first place for most fraud complaints per capita.

Flickr | romanboed

3. Washington, D.C.

Our nation’s capital scored 67.66 total points in the study thanks to having the most identity theft and fraud complaints in the country. It ranked better in other areas, such as average loss, which prevented it from claiming the top spot on the WalletHub list.

Getty Images | Stefan Zaklin

2. Rhode Island

It may be a small state, but according to WalletHub, Rhode Island has a big identity theft and fraud problem. It tied for first in the highest average loss amount due to identity theft category, as well as had the worst performance in the state’s fraud policy protection.

Flickr | taberandrew

1. California

Unfortunately, the “Golden State” didn’t score well in this study. In fact, it received the label of the most vulnerable state for identity theft and fraud. The state ranked in the three of the four main factors, including most identity thefts reported (No. 5), highest average loss amount due to online identity theft (No. 1) and highest average loss amount due to fraud (No. 3).

Getty Images | Justin Sullivan

Want to know where your state ranks in identity theft and fraud? You can read the full list of results on WalletHub.

And, make sure you know how to protect your identity and credit! All it takes is a few simple steps for more peace of mind.

About the Author

Marie Rossiter

Marie is a freelance writer and content creator with more than 20 years of experience in journalism. She lives in southwest Ohio with her husband and is almost a full-fledged empty nest mom of two daughters. She loves music, reading, word games, and Walt Disney World. You can find her writing about her personal health journey at and connect with her at More.

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