Arizona Auto Insurance regulations:

Arizona is a tort state, In tort states you are responsible for the injuries you cause as a result of an accident. Rates are determined by the driving habits of the drivers within a state. The state's liability minimums are 15/30/10. That is $15,000 per individual for bodily injuries you cause to the other persons, and up to $30,000 for all, and $10,000 for damage you cause to the other party's personal property.

Arizona determines auto insurance rates based on driving record, age, area you live in, and the type of vehicle you drive. You may want to consider higher coverages than the state minimums.