<p>If you're looking for someone to blame for Louisiana's high auto insurance rates, you won't have to look far.</p>
<p>It's our own fault, industry experts and insurance company officials say.</p>
<p>"We drink and drive. We speed. We don't wear seat belts. We have accidents, and then we wonder why our insurance rates are so high," said Gary Stephenson, a spokesman for State Farm Insurance.</p>