(NerdWallet) – Look no further than your local gas station if you want to see how the Iran war is already shifting financial conditions for U.S. consumers. Oil prices have surged past $100 per barrel and gas prices have increased more than 32% since last month, according to data from AAA, which tracks prices at the pump. The spikes are driven by disruptions to shipping traffic through the Strait of Hormuz, pushing costs higher for consumers and businesses.