Lemonade offers the cheapest renters insurance in Pennsylvania at $12/month for $30,000 coverage, 14% less than the next cheapest. State Farm is also affordable at $13/month, with good customer service and local agents. Progressive provides extensive extra coverage options but has poorer customer service. Average renters insurance in PA costs $21/month, below the national average. Lancaster has the lowest rates, Philadelphia the highest. Discounts and comparing quotes can save money.