Buying
An AirplaneResearch · Buy · Own
Learn to fly

The instrument rating, and why owners get the most from it

The rating that turns an airplane you fly when the weather is nice into one you fly when you planned to. It costs less than almost any airframe upgrade and does more.

9 min readUpdated September 2026Jeff Broomall · ATP
Floatplane on a lakeshore under a broken sky

If an owner asks what one thing would most improve their flying, the answer is almost always the instrument rating — and it is almost never what they were expecting to hear, because they were asking about airplanes.

The argument is simple. A VFR-only pilot loses days to cloud, haze, low ceilings and forecast uncertainty, and loses them at short notice on the morning of the trip. An instrument-rated pilot in a capable airplane keeps a large share of those days. Nothing you can bolt to an airframe does that.

What it actually changes

Days you can go. The exact numbers depend on where you live — the Pacific Northwest and the desert Southwest are different planets — but in most of the country the gap between "days a careful VFR pilot will launch" and "days an IFR pilot will launch" is large, and it falls disproportionately on the mornings when low cloud burns off by ten.

How you fly on the days you were already going. This is the part people do not anticipate. Instrument training is the most precise, most disciplined flying most private pilots ever do. It teaches you to fly the airplane to a standard rather than approximately, to think ahead of it, and to work inside a system rather than around it. Pilots routinely describe it as the point where they became competent rather than merely certificated.

What your insurer thinks of you. Underwriters price the instrument rating, and for higher-performance aircraft they may effectively require it. If you have any intention of moving up, getting the rating first makes the step cheaper.

The safety argument cuts both ways, honestlyThe rating gives you the ability to launch into conditions that would have grounded you, which is the point — and it is also a new way to get into trouble. Continuing VFR into instrument conditions kills people; so does an instrument pilot who is legally current but not actually proficient flying an approach to minimums after six months of not flying one. The rating is a licence to keep practising, not a licence to stop worrying.

What it takes

The regulation sets minimums for instrument time, cross-country time as pilot in command, and training from an instrument instructor, with a written test and a practical test at the end. The real figures for most people run above the minimums, as with every certificate.

Budget eight to fifteen thousand dollars and three to nine months, depending mostly on how often you fly. As with the private certificate, frequency dominates everything — this material decays fast between sessions, and a student flying twice a week finishes for meaningfully less than one flying twice a month.

  • A large share of the training can be done in an approved simulator, which is much cheaper than the airplane and better for procedures
  • Training in your own airplane means you finish already proficient in the panel you will actually use
  • The written test is straightforward to prepare for and worth getting out of the way early
  • An instructor who teaches instrument flying regularly is worth more than one who does it occasionally

Currency versus proficiency

The regulation defines what you must have done recently to act as pilot in command under instrument flight rules, and there is a process for regaining it once it lapses. Meeting that requirement is currency. It is not the same as being ready to fly an approach to minimums at night in turbulence, which is proficiency.

The owners who get real value from the rating treat it as a skill to maintain rather than a box to tick — flying approaches regularly, filing in good weather to stay in the system, and getting an hour with an instructor a couple of times a year. Owners who do the minimum to stay legal tend to discover the gap on the day they most needed the rating.

The airplane has to be capable tooThe rating is yours; the capability is the aircraft’s. Flying in instrument conditions needs the right certified equipment, maintained and inspected on the required schedule, and an honest assessment of what the airplane can do — ice, in particular, is a hard limit on most light singles regardless of what the pilot holds.