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

• Car insurance is on the rise for many American drivers, but car insurance premiums are falling in many states as well.
• Kentucky drivers will see the most widespread and noticeable changes to car insurance premiums, with over 1.5 million drivers seeing falling rates, at an average of a 5% drop.
• Over one million drivers in both Louisiana and Kansas will have lower rates in 2020. Michigan, Arkansas, and Mississippi drivers will also see their premiums decrease.
• See Business Insider's picks for the best affordable car insurance companies »

Car insurance costs are on the rise in many states in the US.

But, car insurance premiums are actually falling for many more Americans than they are rising. About 7.7 million American drivers are projected to see a decrease in the first half of 2020, while about 5.6 million Americans can expect to see their rates increase.

Every insurance company in each state files a request for rate changes when increasing or decreasing rates, and all changes are subject to approval by the Department of Insurance. Even after filing and approval, changes are possible. This data looks only at changes to premiums that have already been approved. For more on the methodology, scroll to the end of this article.

If you're living in one of these 15 states (listed below from least to most policyholders affected) and your rate doesn't go down, it might be worth shopping around to see if there's a better rate available.

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