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I equate the typical charges for clearing in and out of most Caribbean countries to the price of a good evening meal. St. Barts cost me €5 and St. Martin cost €35 (first night is about €30, subsequent nights are €1). In the grand scheme of things those costs don't really come into play compared to other charges. Most places don't care about insurance, some marinas might ask if the boat has liability, filling up with water/fuel doesn't require insurance.
I just got the newest Antigua prices for dockage and they are about $1 per night per foot plus water & power - in line with most of the other places in the northern Caribbean.
Food and drink and spares/supplies/repairs are the major cost factors.
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