Experience counts a lot. Also the boat and age. Big thing is the area you boat in. When I hit Hawaii my cost went up 6 times what I paid in Mexico and California. Supposedly because Hurricane Iniki, 10 years ago. $400 for replacement coverage (they'll buy you a new boat if it sinks) in San Diego. You do the math for Hawaii.
You can take free classes through the CG Auxillary and there are also a couple of free internet courses for navigation. This might help. A boat survey will also be required and the critical items corrected.
A`ohe `ulu e loa`a i ka pokole o ka lou.
No breadfruit can be reached when the picking stick is too short.