Pack or skip
Winter coat for Indianapolis in January
Verdict
Pack it
Average lows dip to 21°F — a real winter coat, not a jacket.
Why
Indianapolis in January averages highs of 36°F, lows of 21°F, 10 rainy days.
That climate means a winter coat earns its space in the bag. Average lows dip to 21°F — a real winter coat, not a jacket.