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While the Princess of Wales could adorn herself with some of the world’s most exquisite royal jewels, she consistently opts for more affordable options.

Kate’s approachable fashion sense shines through her choice of high street earrings and reasonably priced necklaces, making her style both relatable and accessible.

With Valentine’s Day just around the corner, it’s a perfect opportunity to delve into her impressive jewelry collection, perhaps finding the ideal piece for yourself or someone special.

Monica Vinader Siren Wire Earrings

Kate has been a longtime admirer of Monica Vinader’s affordable jewelry since 2014, donning the Siren earrings on at least ten occasions.

Crafted from 18-carat gold vermeil and hand-cut green onyx, these earrings perfectly balance refined simplicity with a touch of statement-making charm.

Versatile and timeless, they work just as well for everyday wear as they do for more formal occasions. The rich green gemstone adds a subtle pop of colour, while the sleek silhouette transitions effortlessly from day to night. 

Orelia Chain Huggie Hoop Earrings

One pair of high street earrings has proven particularly popular – not just with Kate, but with TV presenter Cat Deeley too, who was recently spotted wearing the exact same set. 

The earrings in question? Orelia’s Chain Huggie Hoops, an 18-carat gold-plated design featuring a chain-textured finish and convenient click clasp. 

Kate is clearly a fan, having worn them to more than ten royal engagements, including a visit to Maidenhead Rugby Club in 2021. 

Astley Clarke Stilla Blue Lapis Necklace

It’s easy to see why Kate has a fondness for Astley Clarke’s lapis lazuli jewellery. 

The deep blue gemstone perfectly complements her iconic engagement ring, while also symbolising wisdom, intuition and spiritual growth – making it a fitting choice for royal engagements.

Kate has worn the Stilla pendant necklace on nine public occasions. While the original style is now sold out, the locket version remains available and looks just as polished.

The locket version of Kate’s pendant

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Missoma Mini Pyramid Charm Earrings

Kate has chosen the elegant mini pyramid charm hoop earrings for eight public outings, usually keeping them for more relaxed engagements.

Handcrafted from 18-carat gold vermeil, these earrings perfectly balance refined simplicity with a touch of statement-making charm.

The bestselling Missoma design features rhodochrosite gemstones – known as a symbol of love and compassion – suspended from hoops with a pyramid style.

Monica Vinader Nura Pearl Necklace

Monica Vinader’s elegant Nura Pearl necklace is a must-have for those who appreciate classic style with an ethical edge. 

Kate has worn the dainty design on numerous occasions, most recently at the Festival of Remembrance. 

Simple yet stunning, it features a delicate freshwater pearl on an 18-carat gold-plated chain. 

Heavenly London Pearl and ‘Diamond’ Earrings

Even a Princess opts for faux diamonds on occasion – seven times, to be exact – and Kate turns to these earrings from Heavenly London.

Featuring resin pearls and sparkling cubic zirconia crystals, they deliver instant glamour and are ideal for special occasions, offering a luxury look without the high-end price tag.

Their appeal extends beyond Kate, too – Sophie, the Duchess of Edinburgh, also owns a pair.

Annoushka Baroque Pearl Earring Drops 

Kate has worn Annoushka’s coveted pearl drops on more than 70 engagements since 2012, styling them with a variety of hoop earrings – clear proof of their timeless appeal.

The freshwater pearls are a jewellery box essential, prized not only for their elegance but also their versatility, transitioning from day to evening and suiting virtually any occasion.

Spells of Love Garnet Charm Hoops 

Demonstrating her penchant for garnet, Kate has worn these Spells of Love hoops on six occasions since 2023.

The versatile earrings feature removable charms, offering a seamless transition from day to night. 

Garnet is a powerful stone associated with passion and vitality, though some believe it can amplify intense energy.

By Pariah Sabine Hoops

For the 2024 Wimbledon men’s final, Kate completed her outfit with a chic finishing touch: By Pariah’s Sabine hoop earrings.

The chunky design offers an architectural take on the classic hoop, crafted from 14-carat gold vermeil and recycled sterling silver. 

Unsurprisingly, Kate’s highly-anticipated appearance led to these earrings swiftly selling out and becoming available only via pre-order.  

They are now available to purchase in sterling silver.

Available in sterling silver 

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Auree Bali Garnet January Birthstone Necklace

Kate has worn her Aurée birthstone necklace on several occasions, most recently at a reception for England’s Women’s Rugby team.

Crafted in 9-carat yellow gold, the pendant features a disc that can be engraved with a name or special date, adding a personal touch. 

Polished on one side and brushed on the other, it sits alongside a dainty garnet gemstone. 

Laura Lombardi Portrait Necklace

Kate impressed royal watchers when she stepped out wearing Laura Lombardi’s Portrait necklace during a visit to Boston with Prince William in 2022.

She selected the chunky gold design, complete with an oversized toggle clasp, as the finishing touch to a Chanel tweed jacket and skinny jeans.

Since then, she has reworn the statement piece twice, most often using it to elevate tailored trouser suits, cementing its status as a modern royal favourite.