i'm talking about the circuit breaker which is most likely a 2 pole 20. if it were running 51 amps constant it would blow the breaker. unless the breaker got wet and might not want to blow. anyway if you have a well pump and it's drawing 51 amps the motor is junkThis really depends on how it’s measured. While a fractional-HP motor can easily hit these numbers for a few milliseconds at start-up, the time constants are usually so brief they’re missed by the typical RMS ammeter. If you’re seeing 51 amps on an Amprobe style ammeter, that’s really something for a little well pump motor, I would think. I’m used to seeing numbers close to that on 3 HP motors with fairly high starting torque loads, as the ammeter is averaging over a longer time constant the the endurance of the big inrush numbers.
Either way, a few milliseconds of inrush current is not the reason for the high utility bill, but that few hours of cycling on/off is too suspicious.