I think the insurance companies are missing out on a serious windfall.
Insurance is all about statistics, and in the insurance realm, those who crunch the numbers are call actuaries. I was never a certified actuary, but I've had a lot of collegiate and post-graduate statistics, so I get it. The odds of your average OCer needing legal help or a payout are exceedingly slim. $30 - $50 a year for your average OCer would make any insurance company willing to tackle this fairly wealthy, while spreading the wealth among all of us quite well. I'm not talking about covering an OJ Simpson type civil lawsuit, but rather, the criminal defense charges.
If an insurance company wanted to lower their clients' premiums (actually in the company's best interests as that tends to attract more customers) the best way to do that is through online training programs via the company's website. They would include state-specific legal training so that clients would be made fully aware of what they can and can't do, legally, while at the same time walking them through various scenarios in order to prepare them mentally to choose the best course of action given the situation.
Hmm... I'll shut up, now, as this actually sounds like an interesting business opportunity I may wish to pursue.