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Yes, a dirty air filter can cause a higher electric bill. That’s because clogged filters make it harder for air to flow through your HVAC system, which forces it to work harder and use more energy. According to the U.S. Department of Energy, replacing dirty filters can save you between 5% and 15% in utility costs.

A correctly installed air filter will fit snugly in its compartment. One that’s too thick or big won’t lie smoothly, and it can block the airflow, sometimes resulting in strange noises. A filter that’s too small or improperly fitted may move around in the compartment, resulting in strange humming or vibration noises. Poor fitting can eventually cause a buildup of dirt in the HVAC ductwork, and reduced indoor air quality can lead to sneezing or excess dust on your surfaces.

The effectiveness of an air purifier is heavily dependent on its size. While portable air purifiers are best for single rooms or limited areas of the house, whole-house air purification systems are installed within the HVAC system to provide filtering for the entire indoor space. Discussing your needs with your installation company is the best way to determine what type and size of system your home requires. 

You should plan to change your AC unit's filter every one to three months, depending on the manufacturer's recommendations. You should also clean the coils at least once per year, but if you have pets or someone in your household has allergies, you might need to clean them more often. Fortunately, many pros will clean the coils and change the filter for you during an inspection, which you should schedule once or twice per year.