On-Road Car Prices in Chandigarh - February 2026

Chandigarh, being a Union Territory directly administered by the central government, has its own motor vehicle taxation rules that are distinct from surrounding states like Punjab and Haryana. This often makes it an attractive registration destination for buyers in the tri-city region of Chandigarh, Mohali, and Panchkula. Understanding how on-road prices are structured here can help you make a well-informed purchase decision regardless of the car brand or segment you are considering.

The on-road price of any car in Chandigarh is made up of four primary components. The ex-showroom price is set by the manufacturer and covers the base cost of the vehicle plus GST. On top of this, you pay road tax to the Chandigarh administration, RTO registration and number plate charges, and a motor insurance premium. Chandigarh levies road tax as a percentage of the vehicle's ex-showroom price, and the applicable rate varies depending on the vehicle's cost bracket and fuel type. Petrol and diesel cars may attract different rates, and electric vehicles often enjoy concessions as part of EV-friendly policies. Because Chandigarh's road tax rates have historically been competitive compared to Punjab and Haryana, many residents of the broader tri-city area prefer registering their vehicles here.

RTO registration in Chandigarh is handled by the Registration and Licensing Authority under the Chandigarh Transport Department. The process involves submitting Form 20, proof of address within Chandigarh, insurance documents, and the invoice from the dealer. Most authorized dealerships offer to handle this paperwork on your behalf for a facilitation fee. New vehicles receive a CH-series registration number. The RTO charges include a one-time registration fee and the cost of the number plate, which together typically add a few thousand rupees to your on-road cost.

Insurance is another significant component. Third-party liability insurance is mandatory by law, but most buyers opt for a comprehensive policy that also covers own damage. The premium depends on the car's insured declared value, engine capacity, and any add-on covers you choose. Higher-end cars and SUVs naturally attract steeper premiums. When comparing on-road prices of different models, pay close attention to the insurance quote because it can create meaningful differences between two similarly priced vehicles.

If you are choosing between multiple cars in Chandigarh, the best approach is to compare the fully loaded on-road price rather than just the ex-showroom figure. A car with a lower ex-showroom price might end up costing more on-road if it falls in a higher insurance bracket or attracts accessories charges. Use the model-wise on-road prices listed on this page to evaluate your options side by side and arrive at the true cost of ownership before you visit a showroom.