Q Report Team
Engagement Ring Glossary: Learn the Lingo
Accents, asschers, cushions and clusters; there’s certainly a lot of lingo to .
Explore Q Report's Content Centre for expert advice on jewellery insurance. You can also read e-guides and blogs, watch videos and more.
Q Report Team
"How Much Should an Engagement Ring Cost?"
Deciding how much to spend on an engagement ring can be challenging, especially considering the average cost. If you're feeling lost in the nuances of engagement ring pricing, you're not the only one.
While the outdated guideline of spending a month's salary doesn't align with the current average engagement ring price in Australia, setting a budget is crucial. It helps narrow down your choices in a jewellery shop brimming with options and ensures you stay in control.
Considering factors like the average cost and how much others are spending on engagement rings can guide your budget. This article delves into the typical engagement ring costs in Australia, global spending trends, quality indicators for diamonds, and how to find the best ring within your budget.
According to a DiamondPort survey, the average amount spent on an engagement ring in 2019 was $5,297.50. This is an increase from $2,579.65 10 years ago. However, Nicola Cerrone of Q Certified Jeweller, Cerrone Jewellers, says their average order value is higher.
“Social media has put significant pressure on what is expected from a ring and is pushing people to spend a bit more than they would have a few years ago,” she says.
High profile proposals and celebrity engagement rings don’t give us much of a realistic yardstick either. Miranda Kerr’s four-carat stone is rumoured to have cost just shy of $200,000, which is a shadow of Kim Kardashian’s $9.9 million monster.
If we’re to go by the “three months’ salary rule”, we can see that the numbers don’t quite add up to $5,297.50:
Though difficult to pinpoint, the average Australian spends between $5,000 and $15,000 on their engagement ring. Then, of course, there’ll be outliers like the $100,000 treasure and the simple $1,000 gesture, but the $5,000 - $15,000 ballpark is realistic for most of us.
TL;DR Average Engagement Ring Cost in Australia
- In 2019, Australians spent an average of $5,297.50 on engagement rings, with a notable increase from a decade ago.
- Social media influences higher spending, with diverse price ranges, including high-profile celebrities.
How does Australia compare with the rest of the world when it comes to their jewellery spending? A comprehensive 2020 study of US consumers by The Knot, the ‘Real Weddings Study’, found that American jewellery shoppers spend an average of $5,500 USD on diamond rings, down from $5,900 in 2019.
However, the study found vast differences in average cost between US states, with Californians spending $10,241 on rings, $7,000 more than their Utah counterparts. Keep in mind that these figures are in USD.
TL;DR Global Comparison on Engagement Ring Spending
- In the U.S., a 2020 study found an average spend of $5,500 on diamond rings, with significant state-by-state variations.
Not only do engagement ring prices vary from country to country, but they also run the gamut from state to state, right here in Australia. In the following table, you’ll see the average prices of an 18ct white gold solitaire with a weight of 4.70 grams.
State |
Round Diamond Solitaire |
Oval Diamond Solitaire |
NSW |
$12,622 |
$10,044 |
QLD |
$13,434 |
$10,036 |
SA |
$13,898 |
$10,105 |
VIC |
$12,299 |
$9,717 |
WA |
$13,586 |
$10,501 |
As you can see, oval diamond solitaires cost less than their round counterparts, even for the same weight and precious metal. Why? Let’s explore below.
TL;DR Engagement Ring Cost By Australian State
- Engagement ring prices differ across Australian states and are influenced by factors like diamond shape.
- Oval diamonds tend to cost less than round diamonds of the same weight and metal.
The diamond’s shape is a critical consideration because it directly influences price. For example, the most popular diamond shape, round brilliants, tends to cost more than other shapes (fancy shapes) due to market demand, increased manufacturing costs, and their unmatched brilliance.
A perennial favourite, the brilliant round diamond never goes out of style. Regardless of current trends, it always seems on point with whatever precious metal or setting style fits the zeitgeist. And high demand leads to higher prices.
Round brilliant diamonds are the most expensive per carat because they require removing the most amount of raw material from the rough. On top of that, they also require the most skill in cutting, so labour costs are high. In contrast, an oval or emerald cut diamond makes better use of the rough stone as the cutter removes less material.
In a diamond, the internally and externally radiant light determines a diamond’s brilliance. Low-quality diamonds appear lifeless because they don’t reflect light well. Of all the common diamond shapes, the round brilliant, with its 58 facets and distinctive proportions, reflects the light most dazzlingly.
TL;DR Diamond Shapes and Pricing
- The shape of a diamond directly impacts its price due to market demand, manufacturing costs, and brilliance.
- Round brilliant diamonds are more expensive due to high demand, increased manufacturing costs, and unmatched brilliance.
Now you know about how different shapes affect price, and you know that local markets also have an impact. But you still need to bring the question close to home: what’s the right-size budget for your engagement ring purchase?
You’ve probably heard of the ‘3-month rule’; that your engagement ring should cost three months’ salary. Any less than that, and you’re cheating your partner out of what they deserve, right? Wrong - no rule should govern how much you choose to spend on your ring. It’s one of the most personal purchases of your life, and what it costs should be entirely up to you. |
In the 1930s, the marketing masters at De Beers created the idea that one months’ salary was the magic number for an engagement ring. Sometime in the 1980s, this grew to two months’ salary, and today’s supposed standard lies somewhere around the three-month mark.
To some people, a $25,000 engagement ring might seem out of reach even if they earn an annual wage of $100,000. To others, a $30,000 engagement ring is the investment they choose, even while making an annual wage of $60,000. The point is, don’t let a preconceived notion of what is the ‘right amount’ dictate your financial actions. You’re the one who has to live with your expenditures.
TL;DR The 3-Month Rule
- The traditional "3-month rule" for ring spending is outdated and shouldn't dictate personal choices.
- Personal financial circumstances and preferences should guide the decision.
So what is the ‘right price?’ Is there one at all? Again, that all depends on you. Ask yourself:
What to Look for in a Quality Engagement RingTL;DR Determining the Right Price for an Engagement Ring
- Consider personal factors like the desired quality, size, and style of the ring, as well as financial circumstances.
You might have a generous budget of $20,000 for your engagement ring, but without a good understanding of diamond quality, you may not get the best bang for your buck.
Every buyer should learn at least the fundamental indicators of diamond quality, the 4cs:
The 4cs are a great place to start your research, but several other factors impact the overall quality and cost of your ring, including:
Natural Diamonds vs Lab-Created DiamondsTL;DR Engagement Ring Quality Indicators
- Understand the 4Cs (Cut, Color, Clarity, Carat) and other factors like ring metal, setting, and diamond shape.
Another factor that affects engagement ring prices is the diamond’s origin.
Diamonds are made of billions of carbon atoms, and each carbon atom is firmly bonded to four others, making diamonds the hardest known natural substance. Whether they originate deep within the earth or in a laboratory, all diamonds have the same chemical properties and molecular structure. But natural stones have a long, unique history.
Natural stones originate at depths of over 120km, through acute heat of between 900°C and 1300°C and pressures of 45 kbar and above. The miraculous process takes millions of years; eventually, the carbon molecules crystallise and become transparent. Then they travel up to the earth’s crust, mined in various parts of the world.
Because of their rough-and-tumble journey, natural stones have flaws, called inclusions. You might be surprised to hear that lab-created diamonds can and do have inclusions as well. Laboratories simulate the natural processes that the earth uses to create diamonds, so inclusions still occur due to extreme heat, pressure and individual growth patterns.
One of the most significant differences between natural and lab-grown diamonds is their price. Although they have the same molecular structure, lab diamonds typically sell for about 25 per cent less. So if you’re looking for a genuine diamond at a lower price point, a lab-created stone might fit the bill.
As of mid-2020, the average lab-grown diamond ring with the following parameters, 18ct White Gold Solitaire, Average Weight 4.70 grams, was insured for:
Centre stone: 1-1.09ct RBC F VS1 is $7,742
Centre stone: 2-2.09ct RBC G VS2 is $15,425
These figures give you a good indication of the value of a lab-grown diamond engagement ring.
TL;DR Natural vs. Lab-created Diamonds
- Natural and lab-created diamonds have the same molecular structure but differ in price.
- Lab-grown diamonds are typically 25% less expensive and offer a genuine option at a lower cost.
Whether it’s worth a few thousand dollars or tens of thousands, every engagement ring is priceless when it comes to sentimental value. That’s why specialised jewellery insurance like Q Report is the smartest way to protect your jewellery investment.
With Q Report diamond ring insurance, your partner can enjoy their ring knowing they’re covered for damage, theft and loss, even while they travel around the world. And unlike home and contents insurance or travel insurance, you have the option to return to your original jeweller for replacement and repair if disaster strikes.
To see how little it can cost you to protect the things you love with 12 months world-wide cover, get an instant online jewellery insurance quote today.
To get an accurate insurance quote, please provide the amount from your purchase receipt.
Don't have the receipt?
If you don't have the receipt, you can provide the most recent valuation amount instead.
"How Much Should an Engagement Ring Cost?"
Deciding how much to spend on an engagement ring can be challenging, especially considering the average cost. If you're feeling lost in the nuances of engagement ring pricing, you're not the only one.
While the outdated guideline of spending a month's salary doesn't align with the current average engagement ring price in Australia, setting a budget is crucial. It helps narrow down your choices in a jewellery shop brimming with options and ensures you stay in control.
Considering factors like the average cost and how much others are spending on engagement rings can guide your budget. This article delves into the typical engagement ring costs in Australia, global spending trends, quality indicators for diamonds, and how to find the best ring within your budget.
According to a DiamondPort survey, the average amount spent on an engagement ring in 2019 was $5,297.50. This is an increase from $2,579.65 10 years ago. However, Nicola Cerrone of Q Certified Jeweller, Cerrone Jewellers, says their average order value is higher.
“Social media has put significant pressure on what is expected from a ring and is pushing people to spend a bit more than they would have a few years ago,” she says.
High profile proposals and celebrity engagement rings don’t give us much of a realistic yardstick either. Miranda Kerr’s four-carat stone is rumoured to have cost just shy of $200,000, which is a shadow of Kim Kardashian’s $9.9 million monster.
If we’re to go by the “three months’ salary rule”, we can see that the numbers don’t quite add up to $5,297.50:
Though difficult to pinpoint, the average Australian spends between $5,000 and $15,000 on their engagement ring. Then, of course, there’ll be outliers like the $100,000 treasure and the simple $1,000 gesture, but the $5,000 - $15,000 ballpark is realistic for most of us.
TL;DR Average Engagement Ring Cost in Australia
- In 2019, Australians spent an average of $5,297.50 on engagement rings, with a notable increase from a decade ago.
- Social media influences higher spending, with diverse price ranges, including high-profile celebrities.
How does Australia compare with the rest of the world when it comes to their jewellery spending? A comprehensive 2020 study of US consumers by The Knot, the ‘Real Weddings Study’, found that American jewellery shoppers spend an average of $5,500 USD on diamond rings, down from $5,900 in 2019.
However, the study found vast differences in average cost between US states, with Californians spending $10,241 on rings, $7,000 more than their Utah counterparts. Keep in mind that these figures are in USD.
TL;DR Global Comparison on Engagement Ring Spending
- In the U.S., a 2020 study found an average spend of $5,500 on diamond rings, with significant state-by-state variations.
Not only do engagement ring prices vary from country to country, but they also run the gamut from state to state, right here in Australia. In the following table, you’ll see the average prices of an 18ct white gold solitaire with a weight of 4.70 grams.
State |
Round Diamond Solitaire |
Oval Diamond Solitaire |
NSW |
$12,622 |
$10,044 |
QLD |
$13,434 |
$10,036 |
SA |
$13,898 |
$10,105 |
VIC |
$12,299 |
$9,717 |
WA |
$13,586 |
$10,501 |
As you can see, oval diamond solitaires cost less than their round counterparts, even for the same weight and precious metal. Why? Let’s explore below.
TL;DR Engagement Ring Cost By Australian State
- Engagement ring prices differ across Australian states and are influenced by factors like diamond shape.
- Oval diamonds tend to cost less than round diamonds of the same weight and metal.
The diamond’s shape is a critical consideration because it directly influences price. For example, the most popular diamond shape, round brilliants, tends to cost more than other shapes (fancy shapes) due to market demand, increased manufacturing costs, and their unmatched brilliance.
A perennial favourite, the brilliant round diamond never goes out of style. Regardless of current trends, it always seems on point with whatever precious metal or setting style fits the zeitgeist. And high demand leads to higher prices.
Round brilliant diamonds are the most expensive per carat because they require removing the most amount of raw material from the rough. On top of that, they also require the most skill in cutting, so labour costs are high. In contrast, an oval or emerald cut diamond makes better use of the rough stone as the cutter removes less material.
In a diamond, the internally and externally radiant light determines a diamond’s brilliance. Low-quality diamonds appear lifeless because they don’t reflect light well. Of all the common diamond shapes, the round brilliant, with its 58 facets and distinctive proportions, reflects the light most dazzlingly.
TL;DR Diamond Shapes and Pricing
- The shape of a diamond directly impacts its price due to market demand, manufacturing costs, and brilliance.
- Round brilliant diamonds are more expensive due to high demand, increased manufacturing costs, and unmatched brilliance.
Now you know about how different shapes affect price, and you know that local markets also have an impact. But you still need to bring the question close to home: what’s the right-size budget for your engagement ring purchase?
You’ve probably heard of the ‘3-month rule’; that your engagement ring should cost three months’ salary. Any less than that, and you’re cheating your partner out of what they deserve, right? Wrong - no rule should govern how much you choose to spend on your ring. It’s one of the most personal purchases of your life, and what it costs should be entirely up to you. |
In the 1930s, the marketing masters at De Beers created the idea that one months’ salary was the magic number for an engagement ring. Sometime in the 1980s, this grew to two months’ salary, and today’s supposed standard lies somewhere around the three-month mark.
To some people, a $25,000 engagement ring might seem out of reach even if they earn an annual wage of $100,000. To others, a $30,000 engagement ring is the investment they choose, even while making an annual wage of $60,000. The point is, don’t let a preconceived notion of what is the ‘right amount’ dictate your financial actions. You’re the one who has to live with your expenditures.
TL;DR The 3-Month Rule
- The traditional "3-month rule" for ring spending is outdated and shouldn't dictate personal choices.
- Personal financial circumstances and preferences should guide the decision.
So what is the ‘right price?’ Is there one at all? Again, that all depends on you. Ask yourself:
What to Look for in a Quality Engagement RingTL;DR Determining the Right Price for an Engagement Ring
- Consider personal factors like the desired quality, size, and style of the ring, as well as financial circumstances.
You might have a generous budget of $20,000 for your engagement ring, but without a good understanding of diamond quality, you may not get the best bang for your buck.
Every buyer should learn at least the fundamental indicators of diamond quality, the 4cs:
The 4cs are a great place to start your research, but several other factors impact the overall quality and cost of your ring, including:
Natural Diamonds vs Lab-Created DiamondsTL;DR Engagement Ring Quality Indicators
- Understand the 4Cs (Cut, Color, Clarity, Carat) and other factors like ring metal, setting, and diamond shape.
Another factor that affects engagement ring prices is the diamond’s origin.
Diamonds are made of billions of carbon atoms, and each carbon atom is firmly bonded to four others, making diamonds the hardest known natural substance. Whether they originate deep within the earth or in a laboratory, all diamonds have the same chemical properties and molecular structure. But natural stones have a long, unique history.
Natural stones originate at depths of over 120km, through acute heat of between 900°C and 1300°C and pressures of 45 kbar and above. The miraculous process takes millions of years; eventually, the carbon molecules crystallise and become transparent. Then they travel up to the earth’s crust, mined in various parts of the world.
Because of their rough-and-tumble journey, natural stones have flaws, called inclusions. You might be surprised to hear that lab-created diamonds can and do have inclusions as well. Laboratories simulate the natural processes that the earth uses to create diamonds, so inclusions still occur due to extreme heat, pressure and individual growth patterns.
One of the most significant differences between natural and lab-grown diamonds is their price. Although they have the same molecular structure, lab diamonds typically sell for about 25 per cent less. So if you’re looking for a genuine diamond at a lower price point, a lab-created stone might fit the bill.
As of mid-2020, the average lab-grown diamond ring with the following parameters, 18ct White Gold Solitaire, Average Weight 4.70 grams, was insured for:
Centre stone: 1-1.09ct RBC F VS1 is $7,742
Centre stone: 2-2.09ct RBC G VS2 is $15,425
These figures give you a good indication of the value of a lab-grown diamond engagement ring.
TL;DR Natural vs. Lab-created Diamonds
- Natural and lab-created diamonds have the same molecular structure but differ in price.
- Lab-grown diamonds are typically 25% less expensive and offer a genuine option at a lower cost.
Whether it’s worth a few thousand dollars or tens of thousands, every engagement ring is priceless when it comes to sentimental value. That’s why specialised jewellery insurance like Q Report is the smartest way to protect your jewellery investment.
With Q Report diamond ring insurance, your partner can enjoy their ring knowing they’re covered for damage, theft and loss, even while they travel around the world. And unlike home and contents insurance or travel insurance, you have the option to return to your original jeweller for replacement and repair if disaster strikes.
To see how little it can cost you to protect the things you love with 12 months world-wide cover, get an instant online jewellery insurance quote today.
Unlike their battery-powered quartz counterparts, luxury watches have a beating heart – the mechanical movement. First created in the 14th century, large, weight-driven tower clocks with verge escapements and foliot balances marked the dawn of mechanical timekeeping.
Today, the core concept of mechanical movements remains unchanged from its original conception. It involves an intricate arrangement of gears, springs, and an escapement powered by a wound mainspring. This precision engineering allows for smooth operation and precise timekeeping.
Manual watch movements require the wearer to wind the crown periodically. Automatic watch movements, on the other hand, utilise the wearer's movements to keep the mainspring wound, offering a convenient everyday solution.
The Patek Philippe Calatrava, with its ultra-thin manual movement, exemplifies the elegance of traditional watchmaking. On the other hand, the Rolex Oyster Perpetual, with its self-winding mechanism epitomises practicality and durability.
Whether manual or automatic, a mechanical movement imbues a luxury watch with a soul, a testament to human ingenuity and a treasured heirloom for generations to come
Luxury watches often boast 'complications,' intricate mechanisms that add layers of sophistication, style and utility. Here, we explore some of the most fascinating complications created by the best luxury watch brands.
Unlike their battery-powered quartz counterparts, luxury watches have a beating heart – the mechanical movement. First created in the 14th century, large, weight-driven tower clocks with verge escapements and foliot balances marked the dawn of mechanical timekeeping.
Today, the core concept of mechanical movements remains unchanged from its original conception. It involves an intricate arrangement of gears, springs, and an escapement powered by a wound mainspring. This precision engineering allows for smooth operation and precise timekeeping.
Manual watch movements require the wearer to wind the crown periodically. Automatic watch movements, on the other hand, utilise the wearer's movements to keep the mainspring wound, offering a convenient everyday solution.
The Patek Philippe Calatrava, with its ultra-thin manual movement, exemplifies the elegance of traditional watchmaking. On the other hand, the Rolex Oyster Perpetual, with its self-winding mechanism epitomises practicality and durability.
Whether manual or automatic, a mechanical movement imbues a luxury watch with a soul, a testament to human ingenuity and a treasured heirloom for generations to come
Peace of Mind: An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.
Peace of Mind: An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.
Peace of Mind: An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.
Peace of Mind: An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.
Contents insurance is essential for anyone who owns valuable items, as it helps protect you should a potential loss occur in your.
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Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum voluptate velit esse.
Luxury watches often boast 'complications,' intricate mechanisms that add layers of sophistication, style and utility. Here, we explore some of the most fascinating complications created by the best luxury watch brands.
Peace of Mind: An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.
Peace of Mind: An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.
Peace of Mind: An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.
Peace of Mind: An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.
“Knowing your engagement ring is insured brings peace of mind. Accidents can happen, and insurance coverage alleviates the worry and stress of potential loss or damage.”
Unlike their battery-powered quartz counterparts, luxury watches have a beating heart – the mechanical movement. First created in the 14th century, large, weight-driven tower clocks with verge escapements and foliot balances marked the dawn of mechanical timekeeping.
Today, the core concept of mechanical movements remains unchanged from its original conception. It involves an intricate arrangement of gears, springs, and an escapement powered by a wound mainspring. This precision engineering allows for smooth operation and precise timekeeping.
Manual watch movements require the wearer to wind the crown periodically. Automatic watch movements, on the other hand, utilise the wearer's movements to keep the mainspring wound, offering a convenient everyday solution.
The Patek Philippe Calatrava, with its ultra-thin manual movement, exemplifies the elegance of traditional watchmaking. On the other hand, the Rolex Oyster Perpetual, with its self-winding mechanism epitomises practicality and durability.
Whether manual or automatic, a mechanical movement imbues a luxury watch with a soul, a testament to human ingenuity and a treasured heirloom for generations to come
Diamond shapes can vary in price due to popularity and demand. Round brilliants, for example, tend to be more expensive than other shapes due to their high demand. If budget is a concern, consider alternative shapes or prioritise other aspects, such as cut quality, over the shape itself.
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Contents insurance covers the items within your home in case they are damaged, lost or stolen. This can include furniture, electronics, clothing and other personal. Contents insurance is essential for anyone who owns valuable items, as it helps protect you should a potential loss occur in your.
An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.
An engagement ring is a significant financial and sentimental investment. Specialised.
An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.
An engagement ring is a significant financial and sentimental investment. Specialised.
An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.
An engagement ring is a significant financial and sentimental investment. Specialised.
An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.
An engagement ring is a significant financial and sentimental investment. Specialised.
Luxury watches often boast 'complications,' intricate mechanisms that add layers of sophistication, style and utility. Here, we explore some of the most fascinating complications created by the best luxury watch brands.
Contents insurance covers the items within your home in case they are damaged, lost or stolen. This can include furniture, electronics, clothing and other personal. Contents insurance is essential for anyone who owns valuable items, as it helps protect you should a potential loss occur in your.
To get an accurate insurance quote, please provide the amount from your purchase receipt.
Don't have the receipt?
If you don't have the receipt, you can provide the most recent valuation amount instead.
Accents, asschers, cushions and clusters; there’s certainly a lot of lingo to .
You’re well-acquainted with the prices of products you buy regularly. You know .
Round and oval diamonds both exude an incredible amount because they’re both .