Luck completed 20-of-30 passes for 233 yards and finished the regular season with 80 career TD passes, three better than John Elway's school record, as the Cardinal (11-1) all but wrapped up a BCS bowl game appearance.
Coby Fleener made four grabs for 97 yards and two scores, and Stepfan Taylor racked up 117 rushing yards on 19 carries in the victory.
Tommy Rees started behind center for the Fighting Irish (8-4), but was pulled after an ineffective first half. Andrew Hendrix relieved and passed for 192 yards with a touchdown and an interception on 11-of-24 efficiency.
Notre Dame fell short in its bid for its first five-game winning streak since 2006.