If you think about this for a minute, maybe you'll be able to form a theory for why this is already very common for military vessels, but not so much for unarmed civilian ones...
I guess this is not exactly "cost", but also lifetime spans. A nuclear reactor can sustain a ship for about 20+ years, and that lifetime is too long for many ships, who would be headed out to the scrap yard in less time than that.
The technology is proven and reliable. Not to mention no emissions.