25 beautiful and affordable fine jewelry gifts she'll love - all under $500

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If there's any time to treat your loved one to a beautiful and long-lasting piece of fine jewelry, it's the holidays. True fine jewelry made with materials like pure or 14-karat gold (not just gold vermeil, which is gold plated over sterling silver) costs a lot precisely because of its material composition and careful craftsmanship, so it's wise to budget accordingly.

Don't stress too much, though. You don't have to spend more than $500 for a durable and pretty bracelet, necklace, pair of earrings, or ring this holiday season. She'll want to wear any of the following pieces every day of the new year.

These 25 thoughtfully designed pieces of fine jewelry are sure to impress her - and they all cost $500 or less.

Looking for more gift ideas? Check out all of Insider Picks' holiday gift guides for 2018 here.

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Disclosure: This post is brought to you by the Insider Picks team. We highlight products and services you might find interesting. If you buy them, we get a small share of the revenue from the sale from our commerce partners. We frequently receive products free of charge from manufacturers to test. This does not drive our decision as to whether or not a product is featured or recommended. We operate independently from our advertising sales team. We welcome your feedback. Email us at insiderpicks@businessinsider.com.

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Mini Gold Letter Charm Pendant

Mini Gold Letter Charm Pendant
AUrate Mini Gold Letter Charm Pendant, $300, available at AUrate

Available in 18k rose, white, and yellow gold

You can't go wrong with a subtle personal letter charm necklace. It's wearable at two lengths — collarbone and chest.

Duo Ring

Duo Ring
Mejuri Duo Ring, $299, available at Mejuri

One smooth and one twisted, the complementary rings in this two-in-one piece are forever linked together.

Charming Hoops

Charming Hoops
Ariel Gordon Charming Hoops, $192.50, available at Ariel Gordon

These playful hoops, also available in star, heart, smiley face, and rainbow styles, really live up to their name.

Double Stone Ring

Double Stone Ring
WWAKE Double Stone Ring, $352, available at Catbird

The semi-precious stone tourmaline can be found in many different colors. This sweet ring features it in shades of pink and purple.

Circle Necklace

Circle Necklace
Vrai & Oro Circle Necklace, $190, available at Vrai & Oro

Available in 14k rose, white, and yellow gold

A delicate circle necklace never goes out of style, whether worn by itself or layered with other pieces.

Moonstone and Iolite Lariat Necklace

Moonstone and Iolite Lariat Necklace
Stone and Strand Moonstone and Iolite Lariat Necklace, $265, available at Stone and Strand

She can accentuate both her collarbone and chest by wearing this necklace made from ethically mined, limited-supply materials.

Rainbow Huggie Earrings

Rainbow Huggie Earrings
The Last Line Medium Rainbow Huggie Earrings, starting at $219, available at The Last Line

A row of precious stones, including ruby, sapphires, and amethyst, line these earlobe-hugging earrings.

Sensu Bracelet

Sensu Bracelet
AUrate Sensu Bracelet, $420, available at AUrate

Available in 14k rose, white, and yellow gold

This folded gold piece is inspired by the silk fans of the Japanese kabuki dance. The whole Sensu collection from AUrate revolves around this unique design.

Capture Ring

Capture Ring
Auvere Capture Ring, $500, available at Auvere

This fierce ring, which takes a sharp bite out of her finger, is handcrafted with equally impressive 22k gold.

Sapphire Dot Ring

Sapphire Dot Ring
Edge of Ember Sapphire Dot Ring, $159, available at Edge of Ember

The addition of a gold bead makes this everyday stacking ring a little more interesting.

Line Threaders

Line Threaders
Vrai & Oro Line Threaders, $110, available at Vrai & Oro

Available in 14k rose, white, and yellow gold

No matter how she moves, these elegant threaders will move with her (but won't fall out).

Double Hoop Huggie Earrings

Double Hoop Huggie Earrings
Zoe Chicco Thin Double Hoop Huggie Earrings, $495, available at Shopbop

The white diamonds are the luxury cherries on top of these double-hoop beauties.

Bar Bracelet

Bar Bracelet
Vrai & Oro Bar Bracelet, $335, available at Vrai & Oro

Make sure to take advantage of the free 20-character engraving option for this simple bar bracelet.

Maleficent Necklace

Maleficent Necklace
Catbird Maleficent Necklace, $376, available at Catbird

Available in 14k rose, white, and yellow gold

In contrast to Catbird's Sleeping Beauty Necklace, the Maleficent is dark and mysterious — but eye-catching nonetheless.

Shooting Star Open Hoop Earrings

Shooting Star Open Hoop Earrings
Maison Miru Shooting Star Open Hoop Earrings, $210, available at Maison Miru

Open up to the possibility of unconventional and understated hoops.

North Star Diamond Pendant

North Star Diamond Pendant
Anzie Aztec North Star Diamond Pendant, $395, available at Nordstrom

Find her North Star in this diamond-centered pendant that sparkles like the night sky.

Pas de Deux Ring

Pas de Deux Ring
Catbird Pas de Deux Ring, $410, available at Catbird

Available in 14k rose, white, and yellow gold, and 22k yellow gold

The fede design of clasped hands dates back to the Middle Ages, but its signal of commitment is timeless.

Double Open Chain Bracelet

Double Open Chain Bracelet
Stone and Strand Double Open Chain Bracelet, $295, available at Stone and Strand

The small link sizes prevent this chain bracelet from looking clunky or overbearing.

Eye & Lash Ear Jackets

Eye & Lash Ear Jackets
Moon & Meadow Eye & Lash Ear Jackets, $216, available at Bloomingdale’s

Gift these artsy ear jackets with a wink and a smile.

Diamond Zigzag Ring

Diamond Zigzag Ring
Bloomingdale's Diamond Zigzag Ring, $280, available at Bloomingdale’s

This sharp and edgy ring is softened by the small diamonds lining the band.

Crisscross Hoop Earrings

Crisscross Hoop Earrings
Macy's Crisscross Hoop Earrings, $127.50, available at Macy’s

If she has more than enough pairs of classic hoops, crisscross hoops are a subtle and stylish departure.

Love Knot Ring

Love Knot Ring
Ariel Gordon Love Knot Ring, $220, available at Ariel Gordon

Available in 14k rose and yellow gold

She's in good company — famous actresses and singers have been spotted sporting this tightly wound design.

Small Cage Bracelet

Small Cage Bracelet
Auvere Small Cage Bracelet, $300, available at Auvere

The geometric versatility of the tiny pyramid structure will make her feel anything but caged in.

Bitty Diamond Ring Necklace

Bitty Diamond Ring Necklace
Susan Highsmith Bitty Diamond Ring Necklace, $495, available at Catbird

It's not as easy to lose this diamond ring since it's strung on a gold chain.

Pearl Bracelet

Pearl Bracelet
Mejuri Pearl Bracelet, $158, available at Mejuri

A simple and elegant pairing you shouldn't overlook? 14k gold and small freshwater pearls.

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