One of India’s most well-rounded hatchbacks, the Tata Tiago combines ruggedness with affordability, offering style backed by practicality. It carries a hard-won reputation as a tough urban car with a good complement of safety equipment, decent trim levels, and noticeably more refined manners than one might expect for a car of this type.
However, here lies the question: with costs ever escalating in the new car segment, numerous car shoppers now arrive at a junction where they must decide whether they are interested in acquiring a brand-new Tata Tiago or seeking a used Tata Tiago that is a year or so older yet significantly less expensive.
We’re going to break it all down for you here, from the update on a new car to the value proposition, pricing points, financing options, insurance considerations, and practical matters for ownership.
New Tata Tiago Quick Overview
The Tata Tiago (2024) adheres to the brand’s promise of safety, practicality, and good value. The earlier car was facelifted in 2023 and features the same trendy front grille, dual-tone bumpers, and upmarket feel that make it more upscale than its price suggests.
However, under the hood, a 1.2L Revotron petrol engine remains a standard fit, now with BS6 Phase 2 compliance. The new Tata Tiago also comes in petrol + CNG variants, offering both manual and AMT transmission options. It gets everything right: decent acceleration, decent mileage, and decent ride quality for city conditions.
Where it shines most is in safety. The Tiago boasts a 4-star GNCAP safety rating, which remains a significant attraction for families and first-time car owners.
Key Updates of New Tata Tiago
- Updated BS6 Phase 2 compliant 1.2L petrol engine
- CNG variants available in multiple trims
- New 7-inch infotainment system with Android Auto/Apple CarPlay
- Digital instrument cluster
- Enhanced safety features like TPMS and a rear-view camera
- Dual-tone exterior options with a blacked-out roof and alloys
New Tata Tiago Ex-Showroom Price
| Car Variant | Transmission | Price (Ex-Showroom, INR) |
| XE | Manual | ₹5.00 lakh |
| XT | Manual | ₹6.35 lakh |
| XZ | Manual | ₹7.00 lakh |
| XZ+ | Manual | ₹7.40 lakh |
| XTA AMT | Automatic | ₹6.90 lakh |
| XZA AMT | Automatic | ₹7.55 lakh |
| XZ CNG | Manual | ₹8.00 lakh |
| XZA AMT CNG | Automatic | ₹8.55 lakh |
Used Tata Tiago Quick Overview
The Tata Tiago has also formed a significant portion of the Indian market since 2016 and has undergone a couple of facelifts, most notably in 2020 and 2023. When looking for a second-hand Tata Tiago 2020 onwards, you’re purchasing a vehicle that still retains many of the attributes and safety upgrades found on the latest variant.
When it comes to age-related build quality, older Tiagos are still good for it—Tata’s good engineering. A 2-4 year old Tiago will be good for drivability, economy, and a much newer interior for its class. A large pro point? Low cost of insurance and a much reduced price.
Historical Highlights
- GNCAP 4-star safety rating introduced in the 2020 facelift
- CNG variants became more popular post-2022
- Best-selling Tata hatchback from 2019 to 2022
- High resale demand due to low maintenance and reliability
Used Tata Tiago Pricing Snapshot
| Production Year | Transmission | Avg. Price (INR) |
| 2020 | Manual | ₹4.00 – ₹4.70 lakh |
| 2021 | Manual/AMT | ₹4.40 – ₹5.20 lakh |
| 2022 | Manual/AMT | ₹4.90 – ₹5.80 lakh |
| 2023 | Manual/AMT | ₹5.50 – ₹6.20 lakh |
New Tata Tiago vs Used Tata Tiago: Financing Comparison
Let’s compare financing a brand-new Tata Tiago XZ+ (Manual) with a used 2022 Tata Tiago XZ (Manual).
| New Tata Tiago | Used Tata Tiago | |
| Ex-showroom Price | ₹7.40 lakh | ₹5.00 lakh |
| Down payment | ₹1,00,000 | ₹70,000 |
| Loan Tenure | 5 years | 4 years |
| Loan Amount | ₹6,40,000 | ₹4,30,000 |
| Interest Amount (@9%) | ₹1,42,000 | ₹84,000 |
| Total Paid | ₹8,82,000 | ₹5,84,000 |
| Difference | — | ₹2,98,000 saved |
New Tata Tiago vs Used Tata Tiago: Insurance Comparison
Insurance is another factor that is often overlooked. Here’s how the premium and insured declared value (IDV) compare over 5 years.
| New Tata Tiago (2024) | Used Tata Tiago (2022) | |
| Initial IDV | ₹7.40 lakh | ₹5.30 lakh |
| First-year premium | ₹26,000 | ₹17,000 |
| Avg. 5-year premium | ₹1,05,000 (approx.) | ₹72,000-₹75,000 (approx.) |
| Estimated total insurance spend | ₹1,05,000 | ₹72,000-₹75,000 |
A used 2022 Tata Tiago XZ (Manual) could save you ₹30,000 or more on insurance across 5 years.
New Tata Tiago vs Used Tata Tiago: Which to Choose?
Now that we’ve laid it all out, which option is the smarter buy?
Go for the new Tata Tiago if:
- You want the security that a full warranty provides
- You will own the car for 7-10 years
- You want up-to-date features, infotainment, and new-at-the-DON technology
- You need CNG in higher variants, which it is available for newer cars only
Choose a used Tata Tiago if:
- You’re less restricted in funds, yet want a dependable automobile
- You’d prefer to reduce EMI or insurance costs
- You will be receiving a good-conditioned 2022-2023 with minimal mileage
- You’re going to use it for 3-5 years, then replace it
Either way, though, the Tiago is a good city car with good resale value. It’s all a matter of how much you’re willing to pay out of pocket and for how long you’re going to keep the car.
FAQs
Is the used Tata Tiago reliable for long-term use?
Yes. The 2020 Tata Tiagos are known for their good build quality and reliability. Just ensure that the service history is clear.
Do older Tiago models have the same safety rating as new ones?
The 4-star GNCAP safety rating applies to variants that came after the 2020 facelift. Pre-2020 variants featured less protective equipment.
Which Tiago variant offers the best value?
On newer vehicles, XZ+ or XZ+ CNG equipment levels achieve the optimal trade-off between equipment level/cost. On older vehicles, a 2021-2022 XZ or XZA trim level is a solid value.
What should I check before buying a used Tata Tiago?
Check service histories, tire condition, battery life, accident histories, and physically check all electrical systems before purchasing.
Is it better to buy a used top model or a new base model?
An older base-grade model that is well-maintained and is only 1–2 years out of a new car’s life may be a wiser buy than a brand-new base model.
