Streaming Automatic Speech Recognition (ASR) in voice assistants can utilize prefetching to partially hide the latency of response generation. Prefetching involves passing a preliminary ASR hypothesis to downstream systems in order to prefetch and cache a response. If the final ASR hypothesis after endpoint detection matches the preliminary one, the cached response can be delivered to the user, thus saving latency. In this paper, we extend this idea by introducing predictive automatic speech recognition, where we predict the full utterance from a partially observed utterance, and prefetch the response based on the predicted utterance. We introduce two personalization approaches and investigate the tradeoff between potential latency gains from successful predictions and the cost increase from failed predictions. We evaluate our methods on an internal voice assistant dataset as well as the public SLURP dataset.