Andrew Luck Net Worth

Andrew Luck net worth is estimated at $40 million. Andrew Luck is a former American football quarterback best known for his career with the Indianapolis Colts in the National Football League (NFL). Despite playing only seven NFL seasons, Luck earned nearly $100 million in salary and briefly became the highest-paid player in league history based on average annual value.

Luck shocked the sports world in August 2019 when he announced his retirement at age 29, citing ongoing injuries and the physical toll of professional football. He is widely regarded as one of the most talented players to retire at the peak of his career.

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Andrew Luck Salary

Over the course of his NFL career, Andrew Luck earned just over $97 million in salary alone, not including endorsements. At his peak, his annual salary reached $24 million.

In 2016, Luck signed a five-year, $123 million contract extension with the Colts that included a $32 million signing bonus. At the time, the deal made him the highest-paid NFL player based on average annual salary.

Between 2016 and 2017, Luck earned approximately $50 million from salary and endorsement income, placing him among the highest-paid athletes in the world during that period.

Early Life

Andrew Austen Luck was born on September 12, 1989, in Washington, D.C. His father, Oliver Luck, was a prominent football executive who later served as commissioner of the XFL and an NCAA executive.

Luck spent much of his childhood overseas in London and Frankfurt due to his father’s work, where he developed an early interest in soccer. His family later relocated to Indianapolis and eventually Texas, where Andrew attended high school and emerged as an elite quarterback prospect.

A standout student-athlete, Luck enrolled at Stanford University, playing under coaches Jim Harbaugh and David Shaw. He became the starting quarterback as a freshman and quickly established himself as one of college football’s most efficient passers. Despite being projected as the top pick in the 2011 NFL Draft, Luck returned to Stanford to complete his degree in architectural design, winning Academic All-America of the Year honors in 2011.

NFL Career

Andrew Luck entered the 2012 NFL Draft as one of the most highly regarded quarterback prospects since Peyton Manning and was selected first overall by the Indianapolis Colts.

He made an immediate impact, starting every game as a rookie and leading the Colts to 11 wins, a dramatic turnaround from the previous season. Luck quickly earned a reputation as a dual-threat quarterback, combining elite passing ability with mobility and toughness.

However, injuries began to take a toll starting in 2014. He battled a series of serious health issues, including:

A torn shoulder labrum
A lacerated kidney
A partially torn abdominal muscle
Multiple concussions

Luck missed the entire 2017 season following shoulder surgery and extensive rehabilitation, including treatment in Europe. He returned strongly in 2018, earning his fourth Pro Bowl selection and winning NFL Comeback Player of the Year.

Despite the resurgence, Luck retired before the 2019 season, citing the ongoing cycle of injury and recovery.

Andrew Luck Contracts

At the time of his retirement, Andrew Luck had three years remaining on a six-year extension worth $139 million. By stepping away, he gave up approximately $58.1 million in guaranteed and potential salary, including:

$9 million in 2019 salary
$6 million in a 2019 roster bonus
$22 million for the 2020 season
$21 million for the 2021 season

The Colts also had the right to reclaim $12.8 million in signing bonus money.

Some analysts estimate that had Luck continued playing and signed another elite quarterback contract, he could have earned $225 million or more over an additional five years. Colts owner Jim Irsay later suggested that Luck may have walked away from $400–$500 million in total career earnings when endorsements are included.

Brand Endorsements

In addition to his NFL salary, Andrew Luck earned millions through endorsement deals. Brands he partnered with include:

Nike
TD Ameritrade
DirecTV
Panini
BodyArmor
SuperDrink

Known for his modest lifestyle, Luck famously used a flip phone even after signing his massive contract and avoided flashy spending habits throughout his career.

Life After Football

Since retiring, Andrew Luck has largely stayed out of the public spotlight, focusing on family, education, and personal interests. His decision to walk away from football is often cited as a landmark moment in athlete empowerment and long-term health awareness.