Choosing The Most Expensive Engagement Rings For Her & Him

In order to avoid buying an engagement ring with only an expensive retail price with no real worth/value or a ring that may not be genuine, you will clearly need to understand what you should ideally look for, before you select the most expensive engagement rings for yourselves as a couple or for your fiancée or fiancé.

An engagement ring can be made with one or more gemstones, metals and other types of materials; most engagement rings will usually comprise of gemstones and metals. The gemstone in an engagement ring may be natural (made by nature), synthetic (lab created), an imitation (natural gemstones’ look-alikes) and a composite (a mix of some or all of these). The metals that are used in jewelries are usually classified as precious or base metals.

Only the precious metals like silver, palladium, gold etc and some valuable natural gemstones like emerald, sapphire, diamond etc are generally considered to be of any real worth/value.

Natural gemstones are graded using their cut, carat (weight), color and clarity (flawlessness) grades/values, pearls however uses a different set of grades. These grades are used together to determine the worth/value and the quality of each natural gemstone. The cut, color and clarity grades of a gemstone together define its quality, while the gemstone’s cut, color, clarity grades and carat together determine its value. The grades of a pearl gemstone are used together to determine the quality and value of the pearl gem too.


A Genuine And Expensive Diamond Engagement Ring

1.2 Carat Diamond Split Shank Engagement Ring

1.2 Carat Diamond Split Shank Engagement Ring



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The real worth/value of the precious metal(s) in an engagement ring can be determined by applying the current market price of each specific type of precious metal in a ring on the total amount of the metal content in the ring. You can learn more about gemstones’ cut, carat, color and clarity grades/values, and how to determine the worth/value of the precious metals and gemstones in an engagement ring at Finding The Perfect Engagement Ring.

You will need such information to select/choose the right and best expensive engagement ring for your fiancée/fiancé or as a couple.

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What You Need To Do Before And After You May Have Bought An Expensive (Or Any) Engagement Ring Or A Genuine Gemstone

You should always bear in mind that there are synthetic, imitation and composite (fused) versions of valuable natural (genuine) gemstones in the market, before you buy. While synthetic and imitation can be worn as jewelry they are however not considered to be of any real worth/value.

Composite gemstones can be worn as jewelry too, however a composite gemstone will only have some real worth/value if it contains a valuable/genuine gemstone that can be recovered intact from whatever fusion process that may have been used to fuse/bond it together with some other gems as a composite. 

To ensure that you will get exactly what you pay for and to get some real value for your money, you should generally do the following when you are buying an expensive engagement ring (or any engagement ring for that matter) or a genuine gemstone from a store or jeweler:

●  Before you buy, get the certificate(s) and grading reports for the gemstone(s) in the ring or the genuine gemstone you may be interested in, these will contain the cut, carat, color and clarity grades/values of the gemstone(s). If the gemstone is a pearl, the certificate/reports will contain its grades too.

●  Get the details and information about the metal(s) and/or other types of materials that may have been used with the ring too. These should provide you with the metal content of the ring, the weight of the metal part of the ring etc.

●  If you are creating a custom engagement ring, you will need to get such details/information from the stores and/or the custom jewelry designer who may have sold the gemstone, ring setting, semi-mount ring or metals for your custom engagement ring to you. You can learn more about the different types of components/materials you will need to buy to create a custom engagement ring at Custom Engagement Rings For Her And You.

●  If any of these information are not available on the website, catalog or brochure of the store or jeweler you may want to buy the ring, gemstone or jewelry component from, you can always ask directly for them. If a store or jewelry cannot provide you with any of these details and information before you buy, you will really not know what you are buying and the right price to pay for it, at that point you should generally go and buy your ring, gemstone or jewelry component elsewhere.

●  After you may have created a custom ring or bought a preset ring or genuine gemstone, you should get a second opinion on the ring or the genuine gemstone by sending it to a gem institute like GIA (Gemological Institute of America) and by doing a professional and independent jewelry appraisal of the ring (that is, if it is a ring that you bought). To avoid any form of bias, you will need an appraisal from a reputable and independent appraiser who should not be connected in any way with the purchase of your engagement ring or any of its components. You will need to do both of these (that is, with GIA and an appraisal for the ring and GIA alone for a genuine gemstone) to confirm whatever certificates, information or details that may have been provided to you by the store/jeweler that sold or created your ring for you, or that sold the genuine gemstone to you.

●  The analysis by GIA will generally take some time, you can find out more about this from the institute’s website itself. GIA will only analyze the gemstone in your ring and not the other materials, components or metals that may be in the ring, an independent jewelry appraisal can confirm the other additional details/information about your engagement ring.

●  Your independent jewelry appraiser will also provide you with some of the information and details about the gemstone(s) in your engagement ring too. However, when it comes to gemstone analysis, whatever GIA gives as the details and information about a gemstone will usually supercede any grading information and analysis that may have been provided by a store or your appraiser, since GIA and other reputable gem institutes like it, will typically have some more advanced equipments for gemstone analysis than a store or a jewelry appraiser, some stores or appraisers may also ask or encourage you to send your ring/gemstone to GIA for analysis too.

●  You should also get some insurance coverage for the ring or genuine gemstone too. You can find out about the cost of insuring the ring/gemstone before you buy. You should generally have some idea about how much you will want to spend on an engagement ring, you can do some research to determine how much it will cost you to insure a ring or genuine gemstone within the price range that you have in mind before you buy.

●  You will also need to find out what the return and refund policies of the store/jeweler you may be buying the ring, gemstone or other components from are too. You will need to be able to return the ring/components if they are not what you presumed they were before you bought them, checking this before you buy is really very important.

●  And you should only buy from reputable stores/jewelers too. You may ask as many questions as you want before you buy, if a store/jeweler cannot provide you with the answers and details that you need before a purchase, you should ideally buy your engagement ring, genuine gemstone or other components elsewhere.


If you are really not ready to do any of these, you may want to postpone the purchase of your engagement ring or genuine gemstone until you can or else you are most likely to end up with an expensive engagement ring or gemstone without any real worth/value or a ring or gemstone that may not be genuine.


A Genuine And Expensive Ruby Engagement Ring
1.60 ct Ruby Engagement Ring

1.60 ct Ruby Engagement Ring



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●  You will also need to find out what the return and refund policies of the store/jeweler you may be buying the ring or its components from are too. You will need to be able to return the ring/components if they are not what you presumed they were before you bought them, checking this before you buy is really very important.

●  And you should only buy from reputable stores/jewelers too. You may ask as many questions as you want before you buy, if a store/jeweler cannot provide you with the answers and details that you need before a purchase, you should ideally buy your engagement ring/components elsewhere.


If you are really not ready to do any of these, you may want to postpone buying your engagement ring until you can or else you are most likely to end up with an expensive engagement ring without any real worth/value or a ring that may not be genuine.


Value, Carat And Other Grades

The value of a natural gemstone will generally increase as its carat (weight) increases in relation to the gemstone’s cut, clarity and color grades. What this means is that, for a colorless diamond gemstone for instance with the following topmost cut, clarity and color grades (using GIA grading system)

Cut - Excellent
Clarity -  F
Color - D

A carat weight of 1 carat (ct) for the gemstone will generally cost more or will be of more value than for other colorless diamond gemstones with lower cut, clarity and color grades of the same weight (that is, 1 carat). This is also applicable to colored diamonds, other types of gemstones and pearls based on their own specific grades too.


Getting An Expensive Engagement Ring With Some Real Worth/Value

To get an expensive engagement ring with some real worth/value, your ring will need to have/contain one or more valuable natural gemstones or the precious metals or both, whose combine values will be equal to whatever value or worth you may want with the ring. That is, if you want an engagement ring that is worth $5,000 for instance, you can either get or create the ring with

  • One or more valuable natural gemstones that are worth $5000 or
  • One or more precious metals that are worth $5000 or
  • One or more valuable natural gemstones and precious metals with a combine worth of $5000 all together

With engagement rings, the gemstone(s) in a ring will usually form the component or part of the ring with the larger value/worth.

The gemstones with high values/worth that you can use in your engagement ring are valuable rare gemstones, gemstones in high demand and some valuable gemstones whose high quality versions (that is those with the topmost cut, clarity and color grades) are very rare. While some gemstones in general are rare, for some it is a specific color or variety of such gems that may be rare.

The high cost/worth of each of these rare or high in demand gemstones are generally based on those with high qualities, that is, those with the topmost (cut, clarity and color) grades, these will usually not have any visible flaws (inclusions) that can be seen with the unaided eye, that is without the use of a microscope. The lower quality version of such high value/worth gemstones will usually be cheaper than those with the topmost qualities.

Rare gemstones can be difficult to find or get, hence you may actually not be able to get some of these gemstones for use in your engagement ring, you can however still get some gemstones with high value/worth to use or with a ring.


A Genuine And Expensive Tanzanite Engagement Ring
Tanzanite Engagement Ring

Tanzanite Engagement Ring



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Inclusions – Flaws

The clarity grades of gemstones are from F (flawless) to I (that is, inclusions – which means the gemstone is flawed).

A clarity grade of I (inclusions) goes from I1, I2 to I3. Once a gemstone has a clarity grade of I (inclusions), it means the flaw of the gemstone will most likely be visible to the unaided eye. It also means that the flaw(s) may either affect the durability or appearance of the gemstone or both. 

The flaws on a pearl gemstone is indicated by its surface grade which may be Clear, Lightly Spotted, Moderately Spotted and Heavily Spotted. 

Natural gemstones may be treated to remove some or all of their flaws, once they are treated in some way however, they are usually referred to as enhanced or treated natural gemstones. A treated/enhanced natural gemstone is usually less expensive or of less value/worth than an untreated or un-enhanced natural gemstone.


The Most Expensive Gemstones With Some Real Worth/Value

These are high quality natural gemstones with the topmost cut, carat and clarity grades. They are generally valuable because they are rare or in high demand.

On the average, given a set of cut, clarity and color grades, these expensive gemstones can be reviewed/evaluated base on how much they sell per carat.

For example, if a gemstone is $1000 per carat, if you want 2 ct (or carats) of the same gemstone, it should generally cost you at least $2000. Some of these gemstones may however cost more than twice their prices when you double their carat weights, given the same cut, clarity and color grades.


Please Note:
Due to market demand, gemstone availability and rarity, market situations or for some other reasons, all the figures used here including those below will most likely change over time, hence every figure used here are for information purposes only.

You will need to do your own research too to get the most current figures/values for each of the numbers, figures, values and examples used in this article before you buy your engagement ring. How much the gemstone(s) and the precious metal(s) in your own engagement ring will be worth will most likely be different from each of the examples used here.


Some of the most expensive natural gemstones with real worth/values are


●  Alexandrite – $12,000 per carat
Color:  Blue-Green


●  Benitoite - $4,000 per carat
Color: purple and blue


●  Beryl - $10,000 per carat
Color: Red


●  Diamond
Colorless Diamond - $14,000 per carat
Blue Diamond – $100,000 plus per carat
Pink Diamond – $100,000 plus per carat
Red Diamond – $1,000,000 plus per carat


●  Emerald - $9,000 per carat
Color: Green


●  Garnet
Demantoid Garnet (Green) - $10,000 per carat
Tsavorite Garnet (Green) - $8,000 per carat


●  Jadeite (Green Jade) – $30,000 per carat


●  Opal -  $2,500 per carat
Color: Black


●  Poudretteite - $3,000 per carat
Color: Pink


●  Ruby – $14,000 per carat
Color: Red


●  Sapphire - $5,000 per carat
Color: Blue


●  Tanzanite - $1,000 per carat
Color: Blue, Green


●  Topaz
Orange  - $1,000 per carat
Red  - $3,500 per carat
Pink  - $3,500 per carat


●  Tourmaline
Bi-Color Tourmaline – $1,000 per carat
Paraiba Tourmaline – $13,000 per carat


A Genuine And Expensive Emerald Engagement Ring
Pear Emerald Engagement Ring

Pear Emerald Engagement Ring



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Hence if you want an expensive engagement ring with a real worth/value of $5000 for instance, you will need to decide on how much of the value should be for the gemstone(s) or the precious metal(s) in the ring. For example, you may want a gemstone of $4000 and a precious metal of $1000 in worth, these could be a combination of (using the list of gemstones above)

●  Benitoite ($4000) and gold ($1000) in worth
●  Poudretteite ($3000), Tanzanite ($1000) and gold ($1000) in worth
●  Poudretteite ($3000), Orange Topaz ($1000) and platinum ($1000) in worth


You can learn about how to determine the precious metal worth/value in an engagement ring at Finding The Perfect Engagement Ring and The Best Engagement Rings For Expressing Your Love.

You can get the precious metal(s) for your engagement ring as part of a ready-made engagement ring from the stores or if you are creating a custom ring you may get it as part of a ring setting, a semi-mount (partly mounted ring) or through your chosen custom jeweler designer, you may go to Custom Engagement Rings For Her And You, to learn more about the components you will need to create a custom engagement ring for your fiancée/fiancé.

You can also get some of the high value (worth) expensive gemstones in an engagement ring from the stores, by yourself or through some other sources too.

The original sources of natural gemstones are usually the mines, you may also get them through those who buy directly from such mines or you can get them from collectors, wholesalers (these may only sell to those who buy in bulk), gemstone resellers, custom jewelry designers, auction houses, online auction sites, jewelry brokers etc.

You will need the exact cut, clarity, carat and color grades/values of the specific gemstone you want in order to get what you want exactly. You may do some research on those expensive natural gemstones and their current worth to know these. You will need to do some comparison of different sources in order to get the best value for your gemstone.

Natural pearls are rare and valuable too hence you may also want to do some research on them to know their current worth/values, that is, if you are interested in pearl engagement rings or your fiancée/fiancé would want or prefer them. You should also look for pearl gemstones with the topmost grades too. You can learn more about pearl grades at Finding The Perfect Engagement Ring.


To Get A More Affordable Expensive Engagement Ring

The lower grades’ versions of those valuable and expensive natural gemstones will usually go for some lower prices and may still work for you, what you will mostly need is to know their exact cut, color, clarity and carat grades/values so you will know exactly what you are buying.

Hence if you want an expensive engagement ring below $1,000 per carat for instance, you can get or look for the lower grade versions of such gemstones for your ring or in a preset/ready-made engagement ring, if you want.

You will have to review several combinations of lower grades of cuts, colors, clarities and carats in order to get this.


A More Affordable Genuine And Expensive Engagement Ring
Blue Diamond Engagement Ring

Blue Diamond Engagement Ring



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Your Engagement Ring’s Worth And Its Retail Price

The real worth/value of your engagement ring will be the total sum of the gemstone(s) and precious metal(s) that may be in the ring. Hence if you had used a gemstone and precious metal that are worth $4000 and $1000 respectively as explained earlier, in your ring for instance, the real worth/value of your engagement ring then will be $5000.

You may get the gemstone and precious metal that you want in a ring as part of a preset engagement ring or as a custom ring. You can create a custom engagement ring by getting the gemstone, setting or a semi-mount ring by yourself or you may allow a custom jewelry designer to get any or all of the components for your expensive engagement ring for you, you will only need to provide him or her with the specification (that is, gemstone’s cut, clarity, type of gemstone, the precious metals etc) of what you want.

If you are able to get any of these expensive and valuable gemstones and the precious metal(s) that you want in a preset/ready-made engagement ring in the stores, you should note that you will be paying the retail price and not the real worth/value for the ring. Every store will generally add some additional costs to the ring you may want to buy, and this may include the cost of labor, business costs etc which will be added to your ring’s real worth/value to form the retail price for the ring.

On the other hand, if you opted to get your gemstone by yourself or you allowed your chosen custom jewelry designer to get the components you will need for a custom ring, in both instances, your selected custom jewelry designer will charge you some additional fees/charges that will also add to the end-price (or retail price) you will be paying for your ring too.

Since you will be getting the same end-product, that is, an engagement ring (in our example that is worth $5000) with the same cut, carat, clarity and color grades/values and the same amount of precious metal content, whether the ring is from the stores or through a custom jewelry designer, the real worth/value of the ring (for our example that is $5000) remain the same.

Stores or jewelers can sell an engagement ring of the same real worth/value at different retail (end) prices. You may therefore use this to determine the stores/jewelers that would be providing you with the best value for the retail/end price you will be paying for your engagement ring. The real worth/value of an engagement ring is usually a fraction of it retail (end) price. All these will also apply to popular brand and designer engagement rings too. You should therefore bear this in mind when you shop.

Once you know how to choose an expensive engagement ring with some real worth/value, you may then compare different gemstones’ durability, sparkles and their hypoallergenic properties. You may also choose some specific type of ring bands, designs, styles etc. You can learn about these too at Finding The Perfect Engagement Ring and The Best Engagement Rings For Expressing Your Love.

If your fiancée/fiancé would want an expensive engagement ring or you simply want to give such a ring to him or her, it is generally ideal to give your fiancée/fiancé a ring that has some real worth/value too, that can also be passed down to your children etc as valuable heirlooms.

If you can pay so much for the most expensive engagement rings, such rings should therefore be valuable, which is a far better option than just buying a ring with only an expensive price tag and nothing more.


You May Also Like:

Finding The Perfect Engagement Ring
The Best Engagement Rings For Expressing Your Love
Custom Engagement Rings For Her And You
Engagement Rings Buying Guide

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