How much does urgent care cost without insurance?
A basic urgent care visit costs $150 to $280 without insurance, with a national average of about $180 to $220 for a standard evaluation. A visit with one rapid test runs $175 to $350, and a visit with an X-ray $250 to $500. Hospital-affiliated urgent care costs more, $200 to $450 plus a facility fee of $50 to $200.
Prices are national ranges from the sources listed below. Your price depends on your provider, location and case; confirm the cost with your provider before treatment. How we get these prices
| Item | Low | High | Typical | Notes |
|---|---|---|---|---|
| Basic visit (provider evaluation only)[1][2] | $150 | $280 | $180 to $220 | National average for a standard evaluation |
| Flat-rate self-pay visit fee[2] | $100 | $150 | Offered at many centers | |
| Visit with one rapid test[1][2] | $175 | $350 | Strep, flu, COVID or urinalysis | |
| Visit with an X-ray[1][2] | $250 | $500 | ||
| Visit with multiple tests and wound care[1] | $300 | $500+ | ||
| Hospital-affiliated urgent care visit[2] | $200 | $450 | Plus a facility fee of $50 to $200 | |
| Virtual urgent care visit[1][2] | $40 | $100 | For problems that do not need a physical exam | |
| ER visit for a non-emergency problem[1][2] | $1,000 | $3,000+ | Sources differ: $1,000 to $2,500 and $1,500 to $3,000 or more | |
| Sports or camp physical, CVS MinuteClinic[5] | $82 | DOT physical $150; self-pay only, insurance not accepted for these |
Urgent care visit cost without insurance
The base price covers the provider’s evaluation. Freestanding independent clinics charge $150 to $280, and the national average for a standard evaluation is about $180 to $220.[2] Many centers also post a flat self-pay visit fee of $100 to $150.[2]
Hospital-affiliated urgent care centers charge $200 to $450 and often add a facility fee of $50 to $200, which can make the same visit 30% to 50% more expensive.[2] Ask whether the center bills a facility fee before you are seen.
Urgent care prices with tests and procedures
Tests and procedures are added to the visit fee, so a visit with a rapid test, X-ray or stitches lands in the higher rows of the table above.[1] Common add-on charges on top of the visit, per Solv Health:[1]
- Rapid strep or flu test: $25 to $75
- COVID rapid test: $25 to $50
- Urinalysis: $30 to $60
- Blood draw and basic panel: $40 to $150
- X-ray: $100 to $250
- Minor laceration repair (stitches): $150 to $250
CoveredUSA’s add-on prices for independent centers are close: $20 to $50 for a urinalysis, $100 to $250 for one or two X-ray views, $150 to $350 for wound closure and $75 to $200 for IV fluids or an injection. Some centers add $25 to $50 after hours or on weekends.[2]
How much is a physical at CVS without insurance?
CVS MinuteClinic lists a sports or camp physical at $82 and a DOT physical at $150, with a $39 DOT follow-up. These are self-pay prices; MinuteClinic does not take insurance for them and accepts cash, cards and FSA or HSA cards.[5] Florida high school athletes who need an EKG pay extra for it.[5] For a yearly checkup with a primary care doctor, see the doctor visit cost guide.
Urgent care cost by city and region
Prices run higher in large cities. Solv Health puts the average visit at about $565 in Miami and $410 in New York, and $120 to $175 in Midwest and rural markets.[1]
Urgent care vs ER and telehealth cost
- Emergency room: An uninsured ER visit for common conditions averages $1,000 to $2,500, per Solv Health.[1] CoveredUSA puts an ER visit for a non-emergency problem at $1,500 to $3,000 or more.[2] Go to the ER for emergencies such as chest pain, trouble breathing or signs of a stroke.
- Virtual urgent care: $40 to $100 for problems that do not need a physical exam.[2] Solv Health puts telehealth visits at $50 to $100.[1] The telehealth visit cost guide compares the cheapest services.
- Primary care: for ongoing problems or a yearly checkup, a regular doctor visit without insurance is the other option.
How to pay less at urgent care
- Ask for the self-pay price at check-in. Most centers offer 10% to 30% off if you pay at the time of service.[1]
- Choose an independent center. Hospital-affiliated centers can charge 30% to 50% more and add a facility fee.[2]
- Ask for a good faith estimate. If you are not using insurance, the provider must give you one when you ask or schedule at least 3 business days ahead.[3] If the bill is at least $400 over the estimate, you can dispute it within 120 days of the bill date for a $25 fee.[4]
- Start with telehealth for minor problems. A virtual visit costs $40 to $100 when no exam is needed.[2] Care Anytime’s Virtual Physician Access benefit offers phone and video doctor visits to members.
- Ask about lab prices before blood work. A basic blood draw and panel adds $40 to $150 at urgent care;[1] compare with the blood test cost guide.
Frequently asked questions
How much does urgent care cost without insurance?
A basic visit costs $150 to $280 without insurance, and the national average for a standard evaluation is about $180 to $220. Tests, X-rays and procedures are added to that base price.
How much does urgent care cost for strep, flu or a UTI without insurance?
A visit with one rapid test such as strep, flu, COVID or a urinalysis costs $175 to $350 in total. On their own, a rapid strep or flu test adds $25 to $75 and a urinalysis adds $30 to $60, per Solv Health.
How much is an X-ray at urgent care without insurance?
A visit with an X-ray costs $250 to $500 in total. Solv Health puts the X-ray itself at $100 to $250 on top of the visit.
Is urgent care cheaper than the ER without insurance?
Yes, for the same minor problem. An uninsured ER visit for common conditions averages $1,000 to $2,500 per Solv Health, and CoveredUSA puts a non-emergency ER visit at $1,500 to $3,000 or more, against $150 to $280 for a basic urgent care visit. Go to the ER for emergencies such as chest pain or trouble breathing.
Do urgent care centers give a self-pay discount?
Many do. Solv Health says most urgent care centers offer 10% to 30% off for patients who pay at the time of service, and CoveredUSA says many centers have a flat self-pay fee of $100 to $150. Ask at check-in.
Can I get a price estimate before an urgent care visit?
If you are not using insurance, providers must give you a good faith estimate if you ask for one or schedule at least 3 business days ahead. If the final bill is at least $400 more than the estimate, you can dispute it within 120 days of the bill date for a $25 fee.
Sources
- Solv Health. How much does urgent care cost without insurance? (updated June 3, 2026). Accessed October 30, 2026.
- CoveredUSA. Urgent care cost without insurance (May 15, 2026). Accessed October 30, 2026.
- Centers for Medicare & Medicaid Services. Good faith estimate. Accessed October 30, 2026.
- Centers for Medicare & Medicaid Services. Dispute a bill. Accessed October 30, 2026.
- CVS MinuteClinic. Service Price Lists. Accessed October 30, 2026.