On-Road Car Prices in Ghaziabad - February 2026

On-road price in Ghaziabad is the total amount you pay to drive a new car home, and it is always higher than the ex-showroom price you see in advertisements. The on-road figure includes the ex-showroom price set by the manufacturer, road tax levied by the Uttar Pradesh state government, RTO registration and processing charges, insurance premium, and optional costs like extended warranty or accessories. Understanding each of these components is essential when you are comparing two or more cars across different segments or brands.

Uttar Pradesh charges road tax as a percentage of the vehicle's ex-showroom or invoice price, and this percentage varies based on the cost and category of the vehicle. Generally, more affordable cars attract a lower tax rate while premium and luxury vehicles are taxed at a higher slab. This means a budget hatchback and a mid-size SUV bought in Ghaziabad will not only differ in sticker price but also in the proportion of tax added on top. The state has revised these slabs from time to time, so it is always wise to confirm the latest applicable rate at the time of purchase.

The RTO process in Ghaziabad falls under the Ghaziabad Regional Transport Office, which handles vehicle registration for the city and nearby areas. When you buy a new car, the dealer typically facilitates the registration on your behalf, but the charges for number plate assignment, hypothecation notation if you are taking a loan, and processing fees are passed on to you. Temporary registration is issued first, followed by permanent registration with a UP-14 series number. The entire process has become more streamlined with online systems, though timelines can vary during peak months.

Insurance is another significant part of the on-road cost. Third-party liability insurance is mandatory by law, and 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 the type of cover chosen. Electric vehicles and CNG-fitted cars may have slightly different premium structures. Always compare insurance quotes independently rather than simply accepting the dealer's bundled offer, as this can save a meaningful amount.

When comparing on-road prices of different models in Ghaziabad, focus on the total cost rather than just the ex-showroom number. A car with a slightly higher base price might end up being more affordable on-road if its insurance bracket is lower or if it falls in a friendlier road tax slab. Use this page to see final on-road estimates for every model available in Ghaziabad, and make a well-informed choice that fits your budget and driving needs.