“There’s no reason there shouldn’t be exciting, well-made designs for under $200,” says Reinhold Jewelers’ Marie Helene Morrow. Below, five of her favorite lines who do luxe for less:

1. Silver ‘Love and Joy’ necklace with garnet beads; $165; Me&Ro, New York City; 917-237-9215; meandrojewelry.com  

2. Sterling silver Cruise ring with carved aventurine; $55; Tous, New York City; 877-518-TOUS; tous.com

3. Wild Rose thorn ring with 0.08 ct. t.w. diamonds in rhodium-plated sterling silver; $198; Yasuko Azuma, New York City; 212-594-7007; yasukoazuma.com

4. Silver hoop earrings; $95; Elizabeth Showers, Dallas; 214-879-9944; elizabethshowers.com

5. Two-tone large big top ring, silver with gold vermeil accents (ships Aug. 1); $195; Elizabeth and James, New York City; 212-633-4900; elizabethandjames.us