Your insurance co-payment is significantly less than the co-payment for a visit to the emergency room. Check your insurance card or call your insurance company to determine your co-payment. For example: Urgent Care insurance co-pays are usually $30 - $60, while emergency room co-pays range from $100 - $150. Also, the average total cost of an urgent care visit is significantly less than an emergency room visit. Emergency room treatment typically costs 4 to 10 times as much as an urgent care visit for the same treatment.