15 states where car insurance rates will drop in the first half of 2020

About 76,000 customers in Pennsylvania will see some slight decreases to their car insurance bill in early 2020.

Number of policyholders affected: 76,538

Average rate decrease: .59%

Much like South Carolina drivers, Indiana residents are also seeing big changes in rates. While about half a million policyholders are seeing increases, 90,000 will see their rates decrease.

Number of policyholders affected: 90,875

Average rate decrease: 2.97%

North Dakota drivers will see their rates drop by an average of a quarter of a percent.

Number of policyholders affected: 117,657

Average rate decrease: .25%

While many New York drivers are also seeing increases, over 170,000 drivers will see their rates drop in 2020.

Number of policyholders affected: 170,619

Average rate decrease: 4.1%

About 20% of Delaware residents will see their premiums drop in 2020.

Number of policyholders affected: 194,048

Average rate decrease: 1.16%

Almost 200,000 Texans will see their rates drop slightly in 2020.

Number of policyholders affected: 197,019

Average rate decrease: 1.43%

About 390,000 Georgia drivers will see their rates go down in 2020.

Number of policyholders affected: 389,230

Average rate decrease: .15%

Nevada drivers could see some slight decreases to their car insurance bills.

Number of policyholders affected: 395,588

Average rate decrease: .65%

About 18% of Mississippi drivers can look forward to a drop in their car insurance premiums this year.

Number of policyholders affected: 534,909

Average rate decrease: 2.87%

About 20% of Arkansas' 3 million residents will see a small drop in their car insurance premiums early this year.

Number of policyholders affected: 605,440

Average rate decrease: 2.46%

Michigan is one of the most expensive states in the US for car insurance. Luckily, over 900,000 policyholders will see a small break this year.

Number of policyholders affected: 922,225

Average rate decrease: 1.89%

Over 1 million Kansas drivers will see their auto insurance premiums lower in early 2020.

Number of policyholders affected: 1,033,162

Average rate decrease: 1.9%

About a quarter of Louisiana residents will see a drop in their car insurance rates.

Number of policyholders affected: 1,040,853

Average rate decrease: 1.63%

Over 1.5 million Kentuckians will see their car insurance premiums fall an average of about 5%.

Number of policyholders affected: 1,591,830

Average rate decrease: 5.08%

Insurance companies are required to notify and get approval from state regulators before making any increases or decreases in rates. Business Insider gathered data from these notices through S&P Global Marketing Intelligence and the National Association of Insurance Commissioners. Over 1,100 rate change filings were made across the US for 2020. This data includes both auto only policies, and policies with homeowners insurance bundled.

These 15 states were ranked by totaling all the policyholders affected by rate changes filed to take effect in 2020. The percent change is calculated as the average of all proposed changes in the state.

These rates could change with time, and there could be more to come. The data only considers the requests already submitted, which will take effect in the first half of 2020.

Remember that auto insurance rates vary by person, and every company evaluates its risk and pricing differently on a per-person basis.

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