When you buy through our links, Business Insider may earn an affiliate commission. Learn more The best affordable fine jewelry stores make it fun and practical to express your personal style. By pushing past overpriced heritage brands, technical terminology, and nebulous production practices, our favorite brands we've tested offer a realistic way to grow your collection.

Direct-to-consumer companies like Quince are structured to nix overhead costs, meaning you pay a more palatable price that's closer to the true cost of making that beautiful gold necklace. We also did a full review of Ana Luisa and love how well the pieces hold up, even if you shower and swim in them. Those of us with sensitive skin can attest that Ana Luisa's hoop earrings won't irritate your lobes.

These trustworthy online jewelry brands, hand-selected and tested by our style editors, will make the decision easy without overcharging you in the process. Despite their bold design, these lightweight earrings are easy to wear. "Even with somewhat chunky hoops, I can forget that I'm wearing them," writes style editor Samantha Crozier.

This minimalistic little gold ring makes a great accent piece with its understated design. Create an effortlessly layered look with this well-balanced trio of gold chains. The cubic zirconia accents add just the right amount of sparkle.

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