Luck was 32 of 49 for 312 yards with two interceptions, but scored the decisive points on a nifty 13-yard scoring run with 8:56 left in the game.
Indianapolis (3-2) has won three straight. Baltimore (3-2) lost for the first time since Week 1.
It was a strange day. The teams combined for seven turnovers, and Joe Flacco was sacked four times - one more than he had been all season.
Copyright 2014 by The Associated Press