Secure Your Car With The Super Car Insurance Plan!

Believe it or Not! Save upto* 75% on TATA AIG Car Insurance

Secure Your Car With The Super Car Insurance Plan!

Believe it or Not! Save upto* 75% on TATA AIG Car Insurance

Insure your  Brand New Car

Best Cars in India under 20 Lakhs

  • Author :
  • TATA AIG Team
  • Published on :
  • 14/07/2022

Up until a few decades ago, having a car was a luxury. It was something rich people owned as a matter of pride and prestige. You had to belong to certain strata of society to own cars, and car manufacturers also priced cars so that it was a luxury item, not to be owned by the general public. But then, a change came about in the society we live in.

With industrialisation and globalisation, people now had higher-paying jobs, and the middle-class man could also own cars. Manufacturers understood that the market was changing, and their audience was now the common man who had come into money through hard work and perseverance.

Today, cars are no longer luxury items. They have, for the most part, become a necessity. The public transport system in India is not reliable and overcrowded due to India's large population. Travelling via public transport has become a hassle that most people are no longer willing to take on. They prefer to make a long-term investment and buy a car for themselves and their families.

A single journey can take the kids to school and the parent to work or on an errand. You end up saving much more when you have your car in the long run. Thus, with the help of investors like the bank, people are putting in money and buying a car that may be on the higher end but will last longer.

So, if you are looking for the best cars under 20 lakhs in India in 2022, you are in the right place. We will be listing some of the best cars in this category and what they offer. But, before we get into that, let us delve into a necessity before you can start using your car.

4 wheeler insurance is not an option to make your car safer but a necessity. You cannot be seen driving on the road without valid 4 wheeler insurance. If you are caught driving your car without insurance, the penalties will be severe, and you will have to pay large fines.

Today, the Indian government has made these laws even stricter to ensure the safety of both drivers and pedestrians. So, before you look at the best cars under 20 lakhs in India, you should look at the right 4 wheeler insurance. Today, insurance providers are making things easy by providing car policies online.

Tata AIG’s four-wheeler insurance is also a policy you can buy online. Our car policy online can be bought easily in a few minutes from the comfort of your home. Buying a comprehensive car insurance policy online ensures you have all your car-related needs taken care of and that you need not worry about anything more. You are safe in the eyes of the law, and you can also rest assured knowing that we will be there to step in at any time and help you should you need our assistance. Our car policy online gets you the protection for your car at affordable prices and with customisable plans.

Best Cars Under 20 Lakhs in India 2022

If you are looking for the best cars under 20 lakhs in India 2022, you surely only want to consider the top cars under 20 lakhs. You are paying a pretty penny for your car, and it only makes sense to look for one that is worth every penny. So, we are listing some of the best cars in 20 lakhs for your perusal.

  • Skoda Octavia

Skoda Octavia's brand image helped the company get established in the country and is accountable for the favourable associations purchasers have with the company. The Octavia moniker was replaced by the Laura, which was effectively a rebranded next-gen Octavia after a highly successful campaign.

With the introduction of the current generation Octavia, the business chose to renew the brand name. Now you get a car superior in practically every way. The latest design language offers it a particular appeal, and the spaciousness and comfort levels are exceptional.

It also comes with a comprehensive array of features and the most potent engines in its class. The interiors are exquisitely designed and exude elegance and quality. The car has long maintained its stance as one of the top cars under 20 lakhs.

  • Kia Seltos

Created by the Korean company Kia, Seltos was the model that bought the company to the Indian market. The car did not fail and found its place in the list of the best cars in the 20 lakhs category for many car enthusiasts. The car, owing to its features, has established itself on this list and has stayed there.

Appealingly created, priced right, and with transmission and motor options galore, the car is loved by all who use it. The engines have a stick shift and automated gear options. The Kia Seltos stays in touch with current times and matches the requirements of the current BSVI regulation, making it the best car to buy under 20 lakhs.

  • MG Hector

The Hector was brought to the Indian market by the Chinese manufacturers Morrison Garages. The car has many appealing features. It's a well-made car with an attractive appearance, enormous proportions, and new technology that definitely puts it on the consumer's radar. This is makes it one of the best cars to buy under 20 lakhs. There are three engine options for the car. The warranty afforded by the car for 5 years is a key talking point, which is why many consumers believe it to be the top car under 20 lakhs.

  • Toyota Innova Crysta

The latest Toyota Innova has seized the industry by storm, particularly among cars priced at roughly 15 lakhs on the road. It's a fantastic alternative to standard D-Segment cars and SUVs. The interiors of the 2016 Toyota Innova Crysta is roomy and luxurious, with a long array of perks and adequate seating for seven people. The latest Innova also offers a range of powerful engines and automated and manual gearbox options. Although the top-end models appear to be pricey, this car is still considered the best car in 20 lakhs.

  • Mahindra Scorpio

We can confidently say that the Scorpio is the most loved car from the brand. Its strong body renders it a good fit for heavy use, and the height gives it a proficient look. The Mahindra Scorpio is available in many models under 20 lakhs, making it a popular choice in the market. This is one of the best offerings on the list of the best cars in 20 lakhs.

Prices of the Best Cars Under 20 Lakhs in India in 2022

The prices of the cars listed above are tabulated for your convenience in the table below.

Car Model Ex-Showroom Price in New Delhi*
Skoda Octavia ₹16.64 lakhs
Kia Seltos ₹11.07 lakhs
MG Hector ₹14.95 lakhs
Toyota Innova Crysta ₹13.73 lakhs
Mahindra Scorpio ₹14.48 lakhs


The cars mentioned above are some of the best in their class. Remember. It is always recommended that you invest in a car only after doing your research. See what makes a car fall into the list of the best cars to buy under 20 lakhs, and buy it only if you like what you see. In the same way, before buying 4 wheeler insurance, do not forget to compare prices and plans and get the best one for yourself. Make a decision and get your car policy online today!

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