Last updated: March 2026
How Much Does UTI Test (Urinary Tract Infection) Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Urine Dipstick | $25 – $50 | $0 – $10 |
| Urinalysis with Microscopy | $40 – $100 | $5 – $25 |
| Urine Culture and Sensitivity | $40 – $100 | $10 – $25 |
| At-Home UTI Test Strip | $8 – $20 | $8 – $20 |
CPT/ADA Code: CPT 81001
What Affects the Cost
- Facility type (freestanding center vs. hospital — hospitals cost 2-3x more)
- Geographic location
- Complexity of the visit or test
- Whether additional tests or procedures are needed
- In-network vs. out-of-network provider
- Time of day (emergency/after-hours may cost more)
Insurance Coverage
Typical coverage: Covered as diagnostic urinalysis; often treated same-day at urgent care
Most diagnostic tests and urgent care visits are covered when medically necessary with a doctor's order. You'll pay your deductible first, then coinsurance (typically 20-40%). Preventive screenings are covered at $0 under the ACA. Always use in-network providers to avoid surprise bills.
How to Save Money
- Freestanding facilities cost 50-70% less than hospital-based
- Ask for cash-pay pricing upfront — often 40-60% less than billed rate
- Compare prices on MDsave.com or Healthcare Bluebook
- Use urgent care instead of ER for non-emergencies (save $1,000+)
- Telehealth visits cost $50-$100 for many conditions
- Check if the service qualifies as preventive care ($0 with insurance)
Related Procedures & Costs
Frequently Asked Questions
The urinalysis costs $25-$100. Combined with the visit ($100-$200) and antibiotics ($5-$30), the total is $130-$330 without insurance. With insurance, expect $20-$60 total. Telehealth UTI visits are the cheapest at $50-$100.
Many telehealth services can diagnose and treat simple UTIs based on symptoms alone, prescribing antibiotics without an in-person visit. Some pharmacies in certain states allow pharmacists to prescribe UTI antibiotics directly.
See a doctor if you have fever, back pain, blood in urine, are pregnant, have recurrent UTIs (3+ per year), or symptoms do not improve within 2-3 days of starting antibiotics. Men with UTI symptoms should always see a doctor.