Business Insider/Steve Kovach The Apple iPhone SE.The days of needing to pay big dollars to get a good smartphone are dead and buried. 
The smartphone has become a commodity, and as such the costs of manufacturing something decent has gone down. For you, that means great phones are now common around $400, and good phones are available for much less than that.
Still, as always, some devices are still better than others. So, after testing a whole lot of phones this year, we've broken down the affordable side of the market, and rounded up the handsets worth buying.