Miami vs. Indiana Prediction: College Football Playoff National Championship Odds & Best Bet
I'm backing the undefeated team in my Miami vs. Indiana prediction for the College Football Playoff National Championship, which takes place on Monday, Jan. 19 (7:30 p.m. ET, ESPN), from Hard Rock Stadium in Miami Gardens, Fla.
Indiana, the No. 1 seed, is the 7.5-point betting favorite by the college football championship odds. They face a team many didn't think would earn an at-large bid in the CFP. While Miami's run has been nothing short of incredible, I expect the more consistent Hoosiers to culminate their historic run with another dominant performance.
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🏈 Miami vs. Indiana prediction: College Football Playoff National Championship
Stay ahead with the rest of our early college football picks for the national championship.
Indiana -7.5 (-110) ⭐⭐⭐⭐
If Indiana wins the championship, this Hoosiers squad will go down as one of the best of all time, which is why I expect Curt Cignetti's team to beat Miami by more than a touchdown. Indiana is 5-0 ATS against ranked teams this season, and has outscored its two CFP opponents 94 to 25.
The Hoosiers are the only team in the country ranked top three on offense and defense by SP+, and the first team Miami has seen that has a comparably dominant offensive line.
Plus, the Hoosiers have the clear QB advantage with Heisman winner Fernando Mendoza.
📊 Miami vs. Indiana odds: College Football Playoff National Championship
See the latest college football odds for the national championship in real time.
Miami vs. Indiana opening odds
- Moneyline: Miami +260 | Indiana -325
- Spread: Miami +7.5 (-110) | Indiana -7.5 (-110)
- Over/Under: Over 48.5 (-110) | Under 48.5 (-110)
Miami vs. Indiana line movement
Indiana opened as a 7.5-point betting favorite against Miami after dismantling its first two CFP opponents. However, I don't expect this line to move too much, given that this is effectively a home game for the Hurricanes and the brand-name recognition that Miami carries as a five-time national champion.
While more casual fans could be backing Miami in a big way, Indiana's historic season should help keep the Hoosiers favored by at least a touchdown against the No. 10 seed. I'd take Indiana to cover at anything under -8.5. And I don't see this game's total shifting much, with both teams employing future NFL quarterbacks and sporting top-10 defenses.
📈 Miami vs. Indiana trends & betting notes: CFP National Championship
Check out all of our college football analysis and betting advice for the national championship.
- Indiana is 10-5 ATS this season and has covered in four straight games
- Miami is 10-5 ATS this season and has covered in four straight games
- The Hoosiers are 9-6 betting the Over this season
- The Hurricanes are 6-9 betting the Over this season and 3-4 against ranked opponents
📺 How to watch Miami vs. Indiana: 2026 CFP National Championship
- Date: Monday, Jan. 19
- Kickoff: 7:30 p.m. ET
- Location: Hard Rock Stadium (Miami Gardens, Fla.)
- TV: ESPN
💡 Miami vs. Indiana expert picks
- Early Miami vs. Indiana prediction
- CFP National Championship odds & storylines
- Top betting markets for CFP National Championship
- CFP betting terms for beginners
- How to bet Miami vs. Indiana
- How Indiana will win CFP National Championship
- How Miami will win CFP National Championship
- CFP National Championship betting X-factors
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