Help for Specific Groups · Updated November 2026 · By the Free Car Help team
Key takeaways
- SSI generally excludes one car used for transportation from resources.
- A gifted car may count as income in the month you receive it.
- SSDI has no asset limit.
Car options if you receive SSI or SSDI
- Charity cars: 1-800-Charity Cars serves the medically needy. See free charity cars.
- Vocational Rehabilitation: can fund vehicle modifications if you are working or preparing to work.
- Accessible vans: combine grants, VA benefits and fundraising — see wheelchair van funding.
- Low-cost cars and fair loans: low-cost cars and nonprofit car loans.
- Medicaid rides: free non-emergency transportation to medical appointments.
How a car affects SSI and SSDI
For SSI, one vehicle used for transportation is generally excluded from your countable resources. However, receiving a car as a gift may be counted as income in the month you get it. Talk to Social Security or a benefits counselor before you accept a car. SSDI has no asset limit, so owning a car does not affect SSDI.
Questions to ask before accepting a car
- Will the car be titled in my name or a family member’s?
- How will Social Security value the car in the month I receive it?
- Can I afford insurance, registration and repairs on my budget?
- Would a PASS plan or ABLE account help me save for a vehicle?
An ABLE account lets many people with disabilities save for qualified expenses, including transportation, without affecting SSI up to certain limits.
Frequently asked questions
Can I get a free car if I am on SSI?
Yes. Charity car programs serve people on SSI. Because a gifted car may count as income in the month you receive it, check with Social Security first.
Will owning a car affect my SSDI?
No. SSDI does not have an asset limit.
Can an ABLE account be used to buy a car?
Transportation is a qualified disability expense, so ABLE funds can generally be used toward a vehicle. Check the rules for your account.
