On-Road Car Prices in Amritsar - February 2026

Amritsar, one of Punjab's most prominent cities, has a thriving automobile market driven by both urban commuters and buyers from surrounding rural areas. When you see a car's on-road price here, it represents the total amount you pay to drive the vehicle out of the showroom and onto the road legally. This figure is built from four main components: the ex-showroom price set by the manufacturer, the road tax levied by the Punjab state government, RTO registration and related charges, and the first-year insurance premium. Understanding each of these helps you make a sharper comparison when choosing between different cars.

Punjab's road tax is calculated as a percentage of the ex-showroom price or the invoice value of the vehicle. The exact percentage varies depending on the vehicle's price bracket and sometimes its fuel type. Smaller, more affordable cars generally attract a lower tax rate, while premium and luxury vehicles fall into higher slabs. This means two cars with a modest difference in ex-showroom price could end up with a more noticeable gap in on-road cost once road tax is applied. Diesel and petrol variants of the same model may also see slight differences in the tax treatment, so it is worth checking the specific slab your chosen variant falls under.

The RTO process in Amritsar is handled by the Regional Transport Office under the Punjab transport department. Registration involves submitting identity and address proof, paying the registration fee, and obtaining your PB-02 series number plate. Temporary registration is usually provided at the dealership, and permanent registration follows within a few weeks. RTO charges include a fixed registration fee and may also include fees for the number plate, smart card, and hypothecation notation if you are financing the car through a loan.

Insurance is the other significant variable in the on-road price. Third-party liability insurance is mandatory, and its premium is regulated by the IRDAI based on engine cubic capacity. Most buyers opt for a comprehensive policy that also covers own-damage, and premiums here depend on the car's insured declared value, the chosen add-ons, and the insurer. A higher-priced car naturally carries a steeper insurance cost, which adds to the on-road total.

When comparing on-road prices of different models in Amritsar, focus on the total cost rather than just the ex-showroom figure. A car that looks cheaper on paper might end up costing more on-road due to higher road tax slab placement or a larger engine attracting greater insurance premiums. Always ask the dealer for a detailed on-road price breakup and cross-check the road tax and RTO figures independently. This page lists on-road prices for all available car models in the city, giving you a reliable starting point for your purchase decision.