About 10% or more of P&C claims could be fraudulent, according to the National Insurance Crime Bureau. Many of these claims involve workers' compensation and auto theft, says the Coalition Against Insurance Fraud (CAIF). Overall, CAIF estimates insurance fraud amounts to $308.6 billion annually in the U.S. and costs policyholders about $900 in higher premiums and other expenses.

Insurance fraud is a growing problem across the country. It can happen anywhere and to anyone, but some areas across the U.S. are more prone to insurance fraud than others. The Zebra analyzed the 50 most-populated cities to evaluate the rates of insurance fraud in 2023, looking at the number of fraud laws enacted by the state, the number of spam calls per capita and the number of white-collar crimes committed per 10,000 people.

The slideshow above dives into the top 10 cities with the highest risk and incidence of insurance fraud.

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Ashley Hattle-Cleminshaw

Ashley Hattle-Cleminshaw serves as ALM's PropertyCasualty360 Senior Editor. She brings 10 years of experience in journalism and communications to the editorial team. Reach her by sending an e-mail to [email protected].