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With a final tap, the "Quote Confirmed" message popped up. Kai put the Jeep in gear, the smell of salt air filling the cab. He was legal, covered, and finally on his way home.

: See why you never want to go without insurance on ValuePenguin . Motor Vehicle Insurance Information - DCCA Hawaii

As he waited for the page to load, Kai thought about his Uncle Keone, who always joked that "aloha spirit" didn't cover car repairs. Keone had once been caught driving without insurance and faced a nightmare: a massive fine (up to in Hawaii) and a year-long license suspension. Kai wasn't about to risk that.

: Check out NerdWallet's latest Hawaii guide for a breakdown of the cheapest providers.

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