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Planning to buy your dream car? A budget of Rs. 20 Lakh is more than enough to buy a strongly built car with excellent performance. If you have a budget above 10 lakhs, you can buy a better performing car from the Indian automobile market. So, if you are someone looking for the best car under Rs. 20 Lakhs, you can find the list of options here. Popular choices for the category of Rs. 20 Lakh cars include Tata Nexon with base price starting at Rs. 7.39 Lakh and Maruti Suzuki Ertiga with base price starting at Rs. 8.11 Lakh. You must be aware that buying a car also includes buying car insurance along with it. You cannot drive a car on Indian roads without insurance. Insurance costs for the cars under Rs. 20 Lakhs are also mentioned in this article.

List of Top Cars Under Rs. 20 Lakhs

Before choosing a car, you should be aware of the on road price of it. Here is a list of the best Indian cars under Rs. 20 Lakhs for you to choose from.

 

Top Cars Under Rs. 20 Lakhs

On-Road Prices including RTO and Insurance

(New Delhi)

Insurance Cost

 

Mahindra Thar (AX Opt)

Rs. 15.94 Lakhs

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Maruti Suzuki Ertiga (VXi CNG)

Rs. 11.10 Lakhs

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Mahindra XUV 700 (MX)

Rs. 15.77 Lakhs

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Hyundai Creta (EX)

Rs. 13.81 Lakhs

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Kia Seltos (HTE G)

Rs. 11.57 Lakhs

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Maruti Suzuki Vitara Brezza (ZXI AT)

Rs. 12.41 Lakhs

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Hyundai Venue (E 1.2 Petrol)

Rs. 7.96 Lakhs

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Honda City (VX MT)

Rs. 14.61 Lakhs

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MG Astor (Style 1.5 MT)

Rs. 10.9 Lakhs

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Tata Nexon (XZ Plus S)

Rs. 12.5 Lakhs

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Toyota Urban Cruiser (Mid Grade MT)

Rs. 9.67 Lakhs

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MG Hector (Style MT)

Rs. 16.07 Lakhs

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The on-road prices mentioned above are applicable only for New Delhi. The price varies from city to city depending on RTO charges and insurance cost changes. There are different variants available for the cars up to Rs. 20 Lakhs other than the ones mentioned here. You can also find better variants falling under the category of best car in Rs. 20 Lakh. Depending on these variants, the car insurance cost also varies. You can use a car insurance calculator to calculate these complicated prices. The online car insurance calculator offered by Finserv MARKETS is easy to use and error-free. Now, let us check out the distinctive features of each of these cars within Rs. 20 lakhs. Please note that the on-road price ranges mentioned below are applicable for New Delhi.

 

1. Mahindra Thar

 

 

Mahindra Thar is a SUV model from the house of Mahindra. It has 10 variants, and the base price starts from Rs. 13.17 Lakhs. Thar is a 4-seater car with it's least expensive variant being AX Opt. It is one of the best cars to buy under Rs. 20 Lakhs if you are looking for a perfect off-road experience. This SUV has tweaked styling along with washable interiors and offers a mileage of 15.2 kmpl. It has variants with both manual and automatic transmission. Thar has both petrol and diesel options. The insurance premium for this car can cost between Rs. 87,000 to Rs. 97,000 per annum.

Check out the table below for the features of Mahindra Thar.

 

Features

Information

On- Road Price Range

Rs. 15.94 - 19.06 Lakhs

Insurance Cost

Starting from Rs. 87,000

Safety Rating

4-star safety rating

Engine Capacity

2184 cc

Transmission Types

Manual and Automatic

Fuel Range

Petrol and Diesel

 

 

2. Maruti Suzuki Ertiga

 

 

Maruti Suzuki Ertiga is a MUV model with 4 variants. It has been a success in the Rs. 20 Lakh under car category, with more than four lakh units sold in the six years of its launch. Ertiga is a 7 seater, and its base price starts from Rs. 8.11 Lakhs. Ertiga is not only better looking, but it also has an air of luxury to it. It is available in petrol and CNG options and offers a mileage of 19.01 kmpl and 26.2 km/kg respectively. The insurance premium for this car can cost between Rs. 41,000 to Rs. 47,000 per annum.

 

Check out the table below for the features of Maruti Suzuki Ertiga.

 

Features

Information

On- Road Price Range

Rs. 9.18 - 12.77 Lakhs

Insurance Cost

Starting from Rs. 41,000

Safety Rating

3-star safety rating

Engine Capacity

1462 cc

Transmission Types

Manual and Automatic

Fuel Range

Petrol and CNG

 

 

3. Mahindra XUV 700

 

 

The Mahindra XUV 700 is an SUV model and has 23 variants. The base price starts from Rs. 12.95 Lakhs. XUV 700 is a 7 seater car with its least expensive variant being MX. It has remained one of the best SUVs in the cars below Rs. 20 Lakhs category since it’s launch. This SUV offers an impressive seating comfort and a mileage of 12 kmpl. It has variants with both manual and automatic transmission. Mahindra XUV 700 is offered in both petrol and diesel variants. The insurance premium for this car can cost between Rs. 86,000 to Rs. 1,32,000 per annum.

Check out the table below for the features of Mahindra XUV 700.

 

Features

Information

On- Road Price Range

Rs. 15.77 - 28.86 Lakhs

Insurance Cost

Starting from Rs. 86,000

Safety Rating

5-star safety rating

Engine Capacity

2198 cc

Transmission Types

Manual and Automatic

Fuel Range

Petrol and Diesel

 

 

4. Hyundai Creta

 

 

Hyundai Creta is a SUV model with 19 variants. It is one of the successful models from the house of Hyundai and also finds a place in top 10 cars under Rs. 20 Lakhs list. Creta is a 5 seater, and its base price starts from Rs. 10.23 Lakhs. It has sophisticated handling and stylish looks. It is available in automatic as well as manual option with both petrol and diesel engines. Creta offers a mileage of 16.8 kmpl or above. The insurance premium for this car can cost between Rs. 43,000 to Rs. 67,000 per annum.

 

Check out the table below for the features of Hyundai Creta.

 

Features

Information

On- Road Price Range

Rs. 12.70 - 21.78 Lakhs

Insurance Cost

Starting from Rs. 43,000

Safety Rating

4-star safety rating

Engine Capacity

1353 cc

Transmission Types

Manual and Automatic

Fuel Range

Petrol and Diesel

 

 

5. Kia Seltos

 

 

Kia Seltos is a SUV model with 18 variants. It is a best seller among the best cars within the Rs. 20 Lakhs category. Seltos is a 5 seater and its base price starts from Rs. 9.95 Lakhs. Seltos has a sharp and premium styling along with first-in-segment features. It is available in petrol and diesel options and offers a mileage of 16.8 kmpl or above. The insurance premium for this car can cost between Rs. 42,000 to Rs. 66,000 per annum.

 

Check out the table below for the features of Kia Seltos.

 

Features

Information

On- Road Price Range

Rs. 11.57 - 21.75 Lakhs

Insurance Cost

Starting from Rs. 42,000

Safety Rating

3-star safety rating

Engine Capacity

1493 cc

Transmission Types

Manual and Automatic

Fuel Range

Petrol and Diesel

 

 

6. Maruti Suzuki Vitara Brezza

 

 

Maruti Suzuki Vitara Brezza, from the house of Maruti, is a SUV model with 9 variants. This 5 seater is one of the best cars below Rs. 20 Lakhs that delivers a highly fuel-efficient and powerful driving performance. Its base price starts from Rs. 7.69 Lakhs. Brezza is available in automatic as well as a manual option with petrol engine variant. This SUV offers a mileage of 18.76 kmpl. The insurance premium for this car can cost between Rs. 40,000 to Rs. 53,000 per annum.

Check out the table below for the features of Maruti Suzuki Vitara Brezza.

Features

Information

On- Road Price Range

Rs. 8.62 - 13.12 Lakhs

Insurance Cost

Starting from Rs. 40,000

Safety Rating

4-star safety rating

Engine Capacity

1462 cc

Transmission Types

Manual and Automatic

Fuel Range

Petrol

 

7. Hyundai Venue

 

 

Hyundai Venue is one of the 12 different models from the house of Hyundai. It has 18 variants and the base price starts from Rs.6.99 Lakhs. Venue is a 5 seater car with it's least expensive variant being 1.2 Kappa MT E. It is one of the best cars to buy under Rs. 20 Lakhs. This feature-rich SUV offers a smooth ride and a mileage of 23.7 kmpl. It has variants with both manual and automatic transmission. Venue offers petrol and diesel options. The insurance premium for this car can cost between Rs. 34,000 to Rs. 48,000 per annum.

 

 

Check out the table below for the features of Hyundai Venue.

 

Features

Information

On- Road Price Range

Rs. 7.85 - 14.02 Lakhs

Insurance Cost

Starting from Rs. 34,000

Safety Rating

4-star safety rating

Engine Capacity

998-1493 cc

Transmission Types

Manual and Automatic

Fuel Range

Petrol and Diesel

 

 

8. Honda City

 

 

Honda City is a sedan model with 9 variants. It is one of the best selling sedan models from the house of Honda and a favorite sedan among the cars under Rs. 20 Lakhs. City is a 5 seater, and its base price starts from Rs. 11.23 Lakhs. Honda City is a comfortable ride with great features. It is available in automatic as well as manual options with both petrol and diesel engines. City offers a mileage of 24.1 kmpl. The insurance premium for this car can cost between Rs. 35,000 to Rs. 42,000 per annum.

 

Check out the table below for the features of Honda City:

 

Features

Information

On- Road Price Range

Rs. 12.96 - 17.80 Lakhs

Insurance Cost

Starting from Rs. 35,000

Safety Rating

5-star safety rating

Engine Capacity

1498 cc

Transmission Types

Manual and Automatic

Fuel Range

Petrol and Diesel

 

 

9. MG Astor

 

 

MG Astor is a SUV model with 12 variants. Astor manages to stand out in the category of cars under Rs. 20 Lakh with its stylish looks and upmarket cabin experience. It is a 5 seater and its base price starts from Rs. 9.78 Lakhs. It is available in automatic as well as manual transmission with petrol engines. Astor offers a mileage of 14 kmpl. The insurance premium for this car can cost between Rs. 45,000 to Rs. 77,000 per annum.

Check out the table below for the features of MG Astor.

 

Features

Information

On- Road Price Range

Rs. 10.99 - 19.6 Lakhs

Insurance Cost

Starting from Rs. 45,000

Safety Rating

5-star safety rating

Engine Capacity

1498 cc

Transmission Types

Manual and Automatic

Fuel Range

Petrol

 

 

10. Tata Nexon

 

 

Tata Nexon is a SUV model from the house of Tata. It has more than 40 variants, and the base price starts from Rs. 7.39 Lakhs. Nexon is a 5 seater car with its least expensive variant being XE. It has remained one of the best cars to buy under Rs. 20 Lakhs since its launch. This SUV with impressive build quality and well-loaded features offers a smooth ride and a mileage upto 21.5 kmpl. It has variants with both manual and automatic transmission. Tata Nexon has both diesel and petrol options. The insurance premium for this car can cost between Rs. 52,000 to Rs. 61,000 per annum.

 

Check out the table below for the features of Tata Nexon.

 

Features

Information

On- Road Price Range

Rs. 8.30 - 15.82 Lakhs

Insurance Cost

Starting from Rs. 52,000

Safety Rating

5-star safety rating

Engine Capacity

1499 cc

Transmission Types

Manual and Automatic

Fuel Range

Petrol and Diesel

 

 

11. Toyota Urban Cruiser

 

Toyota Urban Cruiser is a sub-4m compact SUV with 6 variants. It is one of the best SUVs among the under-Rs. 20 Lakh cars. Cruiser is a 5 seater, and its base price starts from Rs. 8.63 Lakhs. It marks Toyota’s entry into the fierce sub-4m compact SUV space. It is available in automatic as well as a manual transmission. Only the petrol engine option is available. Cruiser offers a mileage of 17.3 kmpl. The insurance premium for this car can cost between Rs. 40,000 to Rs. 48,000 per annum.

 

 

Check out the table below for the features of Toyota Urban Cruiser.

 

Features

Information

On- Road Price Range

Rs. 9.68 - 13.19 Lakhs

Insurance Cost

Starting from Rs. 40,000

Safety Rating

4-star safety rating

Engine Capacity

1462 cc

Transmission Types

Manual and Automatic

Fuel Range

Petrol

 

12. MG Hector

 

MG Hector is a SUV model with 13 variants. Hector is popular in the cars under Rs. 20 Lakh category with its sharp looks and spacious cabin. It is a 5 seater and its base price starts from Rs. 13.94 Lakhs. It is available in automatic as well as manual transmission with petrol and diesel engines. Hector offers mileage of up to 16 kmpl. The insurance premium for this car can cost between Rs. 45,000 to Rs. 78,000 per annum.

 

Check out the table below for the features of MG Hector.

 

Features

Information

On- Road Price Range

Rs. 16.07 - 23.51 Lakhs

Insurance Cost

Starting from Rs. 45,000

Safety Rating

3-star safety rating

Engine Capacity

1956 cc

Transmission Types

Manual and Automatic

Fuel Range

Petrol and Diesel

 

Conclusion

You have a plethora of options for cars under Rs. 20 Lakhs since this budget is more than enough to acquire a car with high performance and better features. Select a car from the list above after carefully considering your budget, availability of the car and your needs. Don’t forget to see the mileage range of the cars as the fuel prices are at an all time high. If you are looking for a car that is suitable for your family, always go for a SUV model. When you buy any of these best cars under Rs. 20 Lakhs, it is mandatory that you buy insurance as per the Motor Vehicles Act, 1988. It is equally important to renew the car insurance on time to avoid any penalties. Always buy car insurance since it gives you legal protection as well as financial protection in case of any unforeseen emergencies involving the car. 

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FAQs on Cars Under Rs. 20 Lakhs

  • ✔️Which is the most fuel efficient car under Rs. 20 Lakhs in India?

    The most fuel efficient car under Rs. 20 Lakhs in India are:

    • Hyundai Venue

    • Honda City

    • Maruti Suzuki Vitara Brezza

    • Tata Nexon

    • Maruti Suzuki Ertiga

  • ✔️Which is the best automatic car under Rs. 20 Lakhs?

    The best automatic cars under Rs. 20 Lakhs are Mahindra XUV700, Hyundai Creta, Maruti Suzuki Vitara Brezza, Kia Seltos, Tata Nexon, etc.

  • ✔️What is the on-road price of Tata Nexon in Delhi?

    The least expensive variant of Tata Nexon is XE, and the most expensive one is XZA Plus (O) Dark Edition. The on-road prices of XE and XZA Plus (O) Dark Edition in Delhi are Rs. 8.30 Lakhs and Rs. 15.82 Lakhs respectively. 

  • ✔️Which are the best upcoming cars under Rs. 20 Lakhs in India in 2022?

    Some of the best upcoming cars under Rs. 20 Lakhs in India in 2022 are Kia Carens, Nissan Terra, Hyundai Elantra 2022, MG RC-6, etc.

  • ✔️What is the insurance cost of Maruti Suzuki Ertiga in Mumbai?

    The insurance cost of Maruti Suzuki Ertiga in Mumbai starts from Rs. 41,000 onwards.

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