Early Miami vs Indiana Predictions, Picks & Odds for the CFP National Championship

Some will advise taking an alternate line favoring Indiana, but Douglas Farmer breaks down why that shouldn’t be the case.

Douglas Farmer - Betting Analyst at Covers
Douglas Farmer • Betting Analyst
Jan 10, 2026 • 19:58 ET • 4 min read
Rueben Bain Jr. Miami Hurricanes NCAAF
Photo By - Reuters Connect. Miami Hurricanes defensive lineman Rueben Bain Jr. (4).

It won’t be a true home game, as the crowd is expected to feature more Indiana Hoosiers fans.

Still, the Miami Hurricanes will enjoy a rare advantage in the College Football Playoff title game by playing for a national championship in their own stadium.

My Miami vs. Indiana predictions favor the Hurricanes for reasons beyond that home-field setting, though it’s certainly worth noting in our college football picks for Monday, January 19.

Miami vs Indiana predictions

Here are our early thoughts on the spread and total for this week’s game. We will have a full game preview (with a best bet and SGP) later in the week.

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Early Miami vs Indiana spread pick: Miami +7.5

-108 at FanDuel

Bettors who lean entirely on recent trends should be in shambles in this title game.

Miami is 4-0 against the spread in its last four, including two wins as a one-possession underdog. The Hurricanes have exceeded bookmakers’ expectations by an average of 13 points in those four games.

Meanwhile, Indiana is also 4-0 ATS in its last four games, including two wins as one-possession favorites. The Hoosiers have surpassed bookmakers’ expectations by an average of 22.3 points in those four games.

However, the recent-trends case for the Hoosiers over the Hurricanes is based almost entirely on pace of play.

Miami is happier to slow a game down. In a national championship game, that should be somewhat expected.

Most pertinently in this instance, the Hurricanes have the better offensive and defensive lines, they have the more experienced quarterback — and, as already noted, homefield advantage.

Indiana deserves every ounce of praise and confidence, but after facing Miami’s defensive line, that could all go out the window. Hoosiers quarterback Fernando Mendoza has struggled to limit the damage caused by sacks, and given the way Miami’s defensive ends have played throughout the Playoff, that should be a major concern for Indiana.

Yes, Akheem Mesidor injured his shoulder in the Playoff semifinal, but he took photos with fans after the game and was decisively confident that his shoulder will be alright. Mesidor and Rueben Bain Jr. are the key to Miami’s title hopes, and as long as both are on the field, a hook past a touchdown is too much doubt.

Early Miami vs Indiana total pick: Under 48.5

-108 at FanDuel

Miami will try to grind this game down. A slower pace will best emphasize the Hurricanes’ defensive strengths.

Could Indiana still break this game open and turn it into a relative shootout? Sure, but as soon as one team has a clear want to slow down a game, the Under becomes intriguing.

Furthermore, 48 is obviously a key number in college football totals betting.

Faith in the Hurricanes at +7.5 should be paired with an Under 48.5. They are both bets on Miami’s defensive ends.

Miami vs Indiana odds

  • Miami vs. Indiana spread: Indiana -7.5
  • Miami vs. Indiana moneyline: Miami +260, Indiana -320
  • Miami vs. Indiana Over/Under: 48

Odds are correct at the time of publishing and are subject to change.
Not intended for use in MA.
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Douglas Farmer
Betting Analyst

Douglas Farmer spends his days thinking about college football and his nights thinking about the NBA. His betting habits and coverage follow that same pattern. He covered Notre Dame football for various outlets from 2008 to 2024, most notably spending eight seasons as NBC Sports’ beat writer on the Irish. That was also when his gambling focus took off. Knowing there were veteran beat writers with three decades more experience than he had, Douglas found his niche by best recognizing Notre Dame’s standing in each year’s national landscape, a complex tapestry most easily understood and remembered via betting odds.

In 2021, that interest created a freelance opportunity with Covers, a role that eventually led to Douglas joining the company full-time in 2023. In the fall, Douglas will place five or six dozen bets each week, a disproportionate amount via BetRivers because the operator tends to have lines slightly different than the rest of the market. The same can be said of Circa Sports’ futures markets.

While Douglas is an avid NBA fan and covers the league throughout the year, the vast majority of his bets are on college football, because that is the biggest key to sports betting: Know what you do not know.

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