Toledo vs Miami (OH) Prediction, Picks & Odds for Tonight — College Football Week 12

Naessens' prediction: Offenses take flight in Oxford.

Phil Naessens - Contributor at Covers.com
Phil Naessens • Betting Analyst
Nov 12, 2025 • 15:47 ET • 4 min read

NCAAF

Match starts: 1 hrs
M-OH
46 %
TOL
54 %
Read Analysis
Dequan Finn Miami (OH) RedHawks NCAAF
Photo By - Imagn Images. Miami (OH) RedHawks quarterback Dequan Finn (1) throws a pass during the third quarter.

MACtion rolls on Wednesday as the Toledo Rockets and Miami (OH) RedHawks square off at Yager Stadium.

Both teams rank among the MAC’s top offenses, and my Toledo vs. Miami (OH) predictions call for plenty of points in this matchup.

Read on for my college football picks for Wednesday, November 12. 

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Toledo vs Miami (OH) prediction

Toledo vs Miami (OH) best bet: Over 44.5 (-110)

The Toledo Rockets' offense has been ranked in the top 50 nationally in most key categories, including yards per play, rushing efficiency, and scoring rate. 

Toledo moves the football consistently, and the Miami (OH) RedHawks haven’t been airtight, especially not when defending the red zone. 

The RedHawks’ balanced offensive attack should also find ways to produce against a Toledo defense that can bend between the 20s despite limiting explosive plays.

With clear skies and just a light breeze, both quarterbacks should have enough control to take calculated shots downfield. 

Toledo’s Tucker Gleason is always capable of flipping a drive into a quick touchdown, while dual-threat quarterback DeQuan Finn and Miami (OH) have scored at least 20 points in six straight games. 

Expect both teams to trade scores in a clean, well-paced, and high-scoring game. 

Toledo vs Miami (OH) same-game parlay

Toledo running back Chip Trayanum has scored at least one touchdown in six straight games and meets a Miami (OH) defense that’s allowed 11 rushing touchdowns this season.

Miami (OH) is 5-1-0 ATS in its previous six games. They are also 3-1 SU at home, and Toledo’s miserable 0-4 road record and equally rough 1-3-0 ATS mark leads me to think Miami (OH) can and will cover the spread. 

Toledo vs Miami (OH) SGP

  • Over 44.5
  • Chip Trayanum anytime TD
  • Miami (OH) +4.5

Our deep-ball SGP: A chip off the block

The dual-threat Finn has scored touchdowns in two of his previous three games and meets a Toledo defense that’s allowed 17 rushing touchdowns this season. 

Toledo vs Miami (OH) SGP

  • Over 44.5
  • Chip Trayanum anytime TD
  • Miami (OH) +4.5
  • DeQuan Finn anytime TD

Toledo vs Miami (OH) game predictions

Toledo vs Miami (OH) moneyline prediction

I’m leaning toward the Miami (OH) RedHawks. They’ve won five of their previous six games and face a Toledo Rockets team that’s winless on the road in four attempts this season. 

Toledo vs Miami (OH) spread prediction

I’m on Miami (OH), covering the spread. They are 5-1-0 ATS across their previous six games, and Toledo is winless and 1-3-1 ATS as the road team. 

Toledo vs Miami (OH) Over/Under prediction

This MAC contest features two of the highest-scoring teams in the conference, boasting an abundance of offensive talent. The weather will be mild, and these offenses are going to cook on Wednesday night. 

Toledo vs Miami (OH) odds

  • Spread: Toledo -3.5 (-110) | Miami (OH) +3.5 (-110)
  • Moneyline: Toledo -168 | Miami (OH) +142
  • Over/Under: Over 44.5 (-110)| Under 44.5 (-110)

Toledo vs Miami (OH) trend to know

Miami (OH) has covered the Spread in 8 of their last 13 games (+2.62 Units / 18% ROI). Find more college football betting trends for Toledo vs Miami (OH).

How to watch Toledo vs Miami (OH)

Location Yager Stadium, Oxford, OH
Date Wednesday, November 12, 2025
Kickoff 7:00 p.m. ET
TV ESPN2

Toledo vs Miami (OH) latest injuries

Toledo vs Miami (OH) weather

Monitor gametime conditions with our College football weather info.

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

Prior to joining Covers in 2022, Phil Naessens spent 38 years as a resident tennis pro in Las Vegas, Mykonos, and Corfu, Greece. He’s the past host of the Phil Naessens Show (Armed Forces Radio), and currently hosts the Crush and Rush Tennis Podcast.

Phil is the author of the Betting 101 series (MLB, NFL, NCAAF, and Tennis) and has written for numerous publications, including Advance Local, SB Nation, FanSided, and Lenny Melnick Fantasy Sports. 

His favorite sports to bet on are tennis, MLB, WNBA, Euro men’s and women’s hoops, NCAA sports, NFL, and the NBA. Phil has numerous betting accounts in the US and Europe, and his best advice is to line shop for the best value possible.

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