Bankruptcy exemptions by state

No separate vehicle exemption. You can use the $9,400 personal property exemption for a car.

The $9,400 personal property exemption works like a wildcard: you pick which personal property it covers.

$4,050 in one motor vehicle, but only if the vehicle's full value is $27,000 or less.

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$15,000 of equity in one motor vehicle; $25,000 if you or your dependent has a physical disability. Adjusted every January 1 since 2024 for inflation (CPI-U, rounded up to the nearest $100).

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$8,625 total equity in motor vehicles (704 system).

None in the 704 system. The 703.140(b) system has a wildcard of $1,950 plus any unused part of its $36,750 residence exemption.

Up to two motor vehicles or bicycles, $15,000 total; $25,000 total if you, your spouse or your dependent is elderly or disabled. Does not cover snowmobiles, ATVs, boats, travel trailers or motor homes.

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Up to two motor vehicles, $7,000 total equity (value minus loans).

$1,000 in any property.

$25,000 per debtor in a vehicle needed for work.

$25,000 per debtor in any personal property and/or equity in real estate other than your principal residence (aggregate fair market value)

$2,575 of your interest in one motor vehicle.

$850 in any property, plus up to $8,075 of any unused amount of the homestead exemption.

$5,000 of your interest in a single motor vehicle (per debtor)

$4,000 in any personal property, but only if you do not claim or receive the benefit of the Florida homestead exemption. Does not apply against child support or spousal support debts.

$5,000 total in all motor vehicles (per debtor)

$1,200 in any property, plus up to $10,000 of any unused homestead exemption.

$2,575 of equity in one motor vehicle, valued at wholesale used-car guide prices.

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$10,000 in one motor vehicle (per individual)

$1,500 in any tangible personal property.

$3,600 of your equity in one motor vehicle (per person)

$4,000 of your equity in any other property (per person). Outside bankruptcy, $1,000 of this is an automatic exemption for bank accounts.

No separate vehicle exemption. A car can be protected under the $12,100 exemption for other real estate or tangible personal property.

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$7,000 in one motor vehicle.

$1,000 total in cash, bank or credit union accounts, or any other personal property.

$20,000 of your interest in one vehicle you regularly use to get around or to get to work. No dollar limit for a vehicle designed or equipped for a person with a disability.

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$2,500 in one motor vehicle and its accessories. Ministers, attorneys, physicians, surgeons, chiropractors, veterinarians and dentists may exempt one more vehicle up to $2,500.

$1,000 in any property, real or personal, for bankruptcy filers who use the Kentucky exemptions.

$15,000 of equity in one motor vehicle for any purpose. If you are married or have a licensed-driver child in your household, a second vehicle with up to $15,000 equity.

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$11,800 in one motor vehicle.

$600 in any property, plus up to $12,400 of your unused homestead exemption for household goods, tools of the trade and personal injury payments.

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Two parts: (1) $6,000 in cash or any property you choose (this $6,000 cap also covers the $500 automatically protected in a bank account); and (2) in bankruptcy only, an extra $5,000 in any personal property.

Up to $7,500 in wholesale resale value in a car needed for personal transportation or work. Up to $15,000 if you are handicapped or 60 or older.

$1,000 in any personal property, plus up to $5,000 of any unused amount of the household furniture, tools of trade and car exemptions.

$4,725 in one motor vehicle (cases filed on or after April 1, 2026).

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One of: $10,200 in one vehicle; $27,500 in a vehicle regularly used by or for a physically disabled person; $110,000 in a vehicle designed or modified for a disability; or $13,750 in a vehicle reasonably necessary for your trade or business (amounts effective July 1, 2026).

$1,650 in any property, including money in a bank account, in bankruptcy only (effective July 1, 2026).

No separate car exemption. Motor vehicles are one of the kinds of property you can protect within the $10,000 personal property total.

Only if you are 70 or older: an extra $50,000 in any kind of property, including money in the bank.

$3,000 total in motor vehicles.

$600 in any property. If you are the head of a family: another $1,250 plus $350 for each unmarried dependent child under 21 (or disabled dependent).

$4,000 of equity in one motor vehicle.

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$5,970 in one motor vehicle (amount for 2023-2027)

$5,970 in any personal property except wages (amount for 2023-2027)

$15,000 of equity in one vehicle. A vehicle equipped or modified for a person with a permanent disability is exempt with no dollar limit.

$10,000 total in any personal property not otherwise exempt, including money in the bank, stocks and bonds.

New Hampshire
Not covered yet: bankruptcy court · LawHelp.org

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$1,000 in goods and chattels, shares of stock or corporate interests and personal property of any kind (not counting clothing)

$10,000 total interest in motor vehicles.

$15,000 in any personal property not otherwise covered, including bank and investment accounts or the value of property above the other limits.

$5,500 in equity in one motor vehicle; $13,625 if the vehicle is equipped for use by a disabled debtor. Per debtor.

Only if you do not claim the homestead: $1,325 in any personal property, bank account or cash. Also only without the homestead: extra cash (money, bank deposits, savings bonds, tax refunds) up to $6,825, or the amount by which your personal property exemptions fall short of the $13,625 cap, whichever is less (Debt. & Cred. Law 283(2)).

$3,500 in equity in one motor vehicle, per debtor.

Up to $5,000 of your unused homestead exemption, applied to any property.

$10,000 in equity in one motor vehicle; $50,000 if the vehicle was modified at a cost of at least $1,500 for an owner with a permanent physical disability.

$7,500 in any personal property (including money) if you are the head of a family (married, supporting relatives living with you, or paying support for minor children of a previous marriage); $3,750 if you are unmarried with no dependents.

$5,025 in equity in one motor vehicle, per person.

$1,675 in any property (only in bankruptcy cases)

$7,500 in equity in one motor vehicle, per person.

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$10,000 in one vehicle (car, truck, trailer or other motor vehicle) per debtor; $3,000 against child support, spousal support or restitution debts.

$400 in any personal property, per debtor; it cannot be used to add to another exemption.

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$300 in any property (cash, bank accounts, real estate or other property). It does not apply against support judgments, or against a mortgage foreclosure on the mortgaged property.

$12,000 total in all motor vehicles you own.

$6,500 in any assets. This one applies only in bankruptcy, on top of the other state exemptions. Also, savings or other bank deposits up to $500 are exempt.

$8,000 in one motor vehicle, per debtor.

Up to $8,000 of any unused part of the homestead, vehicle, household goods, jewelry, cash or tools exemptions, used on any property.

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$7,000 in any personal property (goods, money, vehicles and so on) if you are the head of a family; $5,000 if you are not. This is the exemption most people use for a car, bank accounts and household goods.

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$10,000 of your equity in personal property you choose, such as a car, furniture, household goods, bank accounts or cash. Outside bankruptcy you claim it by filing a sworn list with the court clerk.

One motor vehicle (two-, three- or four-wheeled) for each family member or single adult who has a driver's license, or who relies on someone else to drive for them.

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One motor vehicle up to $3,000 in value (not a recreational vehicle or off-highway vehicle, except a motorcycle or van you use daily).

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Up to $2,500 total in one or more motor vehicles.

$400 in any property, plus up to $7,000 of the unused part of the vehicle, tools-of-trade, jewelry, household-goods and growing-crops exemptions.

Up to $10,000 total in motor vehicles you own (a perfected lien on the vehicle comes first).

$5,000 in any real or personal property, including money (or $10,000 if you are 65 or older), plus $500 for each dependent you support.

One motor vehicle up to $15,000 in value, per person (each spouse gets their own).

In a bankruptcy case: any other personal property up to $10,000 per person (not wages), valued on the date you file.

Up to $7,500 in one motor vehicle.

$800 in any property, plus any unused part of the $35,000 homestead exemption.

Up to $4,000 total in motor vehicles, per person. You can add any unused part of the $12,000 consumer-goods exemption, so up to $16,000 in vehicles if you use none of the consumer-goods exemption.

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Up to $5,000 in value in a motor vehicle.

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