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My AC was set at 84 and I still got a 400+ bill. Its insane. I thought at first my AC was having issues, but the guy came out and its only pulling around 3kw and its definitely working. Found out im using around the same KWH as last year (actually a bit less) but the rate hikes means we see more peaks and much higher bills.
Is it a home you own or rental? Apartment?
If it's a single family home you should seriously consider the pricey upgrades to insulation. It could cut hundreds off your bill.
But it could also be a better investment to get solar panels in that case.
It has new insulation but thanks.