A plate carrier for carrying body armor has a front panel having a front connector panel, a rear panel behind the front panel, and a pair of side panels connected to the rear panel. The pair of side panels includes a right side panel and a left side panel. The right panel includes a right inside connector panel that connects to the front connector panel. The left panel includes a left inside connector panel that connects to the front connector panel. An outside flap panel extends from a lower edge of the front panel. The outside flap panel includes an inside connector panel mounted on an inside surface of the outside flap panel. The inside connector panel overlies the pair of side panels.