Chiefs vs Dolphins Prediction, Picks & Early Odds: NFL Week 3

Joe Osborne: Senior Betting Analyst at Covers
Joe Osborne • Senior Betting Analyst 16+ years betting experience
Updated: Sep 21, 2026 , 02:40 PM ET • 4 min read

The Chiefs will easily cover the 10.5-point spread over a hapless Dolphins team that looks like it has already thrown in the towel after two weeks.

Miami Dolphins NFL
Photo By - Reuters Connect. Miami Dolphins fans look on during the game against the Cincinnati Bengals at Hard Rock Stadium

My early Chiefs vs. Dolphins prediction and NFL picks start with a simple question: How could anyone trust the Miami Dolphins?

The Kansas City Chiefs head to South Beach looking reinvigorated while the Dolphins look like a team leaning a little too hard into the whole tanking thing. 

These clubs are traveling in wildly different directions. As a result, the visiting Chiefs are correctly favored by 10.5 points, and the total sits at 45.5 ahead of this 1 p.m. ET kickoff at Miami's Hard Rock Stadium on Sunday, Sept. 27 on CBS. 

Chiefs vs Dolphins predictions

For help understanding Kalshi probabilities, see our odds calculator.

Pick Kalshi
Probabilitychiefs 
Chiefs -10.5 50%
Under 45.5 49%

Percentages courtesy of Kalshi, one of the best prediction market apps.

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Early Chiefs vs Dolphins spread pick: Chiefs -10.5

Kalshi probability: 50%

It shouldn’t be this easy. Laying 10.5 points on the road usually needs some convincing, but finding a logical reason to back the Miami Dolphins requires a work of fiction. Expectations were already in the toilet, and the Dolphins somehow found the basement underneath it.

Meanwhile, a rejuvenated Kansas City Chiefs team has been shot out of a cannon to open the season. Patrick Mahomes hasn’t missed a beat in his return from injury, coming off a 382-yard passing performance, while Kenneth Walker III looks like the missing piece to get them back into Super Bowl contention after piling up an insane 369 total yards through two games.

These guys are fresh, hungry again, and still establishing what this offense can become. I don’t expect the foot to come off the gas as they look to remain consistent early in the season. This spread is high, but it's not high enough. 

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Early Chiefs vs Dolphins total pick: Under 45.5

Kalshi probability: 49%

The total is tougher to pin down, mainly because Kansas City could do most of the scoring itself. Still, Under 45.5 gets my early lean thanks to a Dolphins offense that’s managed just 13 points in each of its first two games. It's even worse than it sounds for the Dolphins as one of their two total touchdowns came when they were already buried 35-6 against San Francisco.

Kansas City went 13-4 to the Under last season, and this matchup should bring out a defense that looks much more like the unit that held Denver to 10 points in Week 1. The Chiefs can win comfortably without Miami contributing enough to send this Over.

Chiefs vs Dolphins odds

For help understanding Kalshi probabilities, see our odds calculator.

  • Chiefs vs Dolphins spread: Dolphins +10.5
  • Chiefs vs Dolphins moneyline: Chiefs 85%, Dolphins 15%
  • Chiefs vs Dolphins Over/Under: 45.5

How to watch Chiefs vs Dolphins

  • Date: Sunday, Sept. 27, 2026, 1 p.m. ET
  • City: Miami, FL
  • Venue: Hard Rock Stadium
  • TV: CBS

Odds are correct at the time of publishing and are subject to change.
Not intended for use in MA.
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Joe Osborne Senior Betting Analyst Covers.com
Senior Betting Analyst

Joe is an industry veteran who loves the entertainment aspect of the sports betting industry. His opinions are always backed by data and he enjoys digging into the numbers and coming up with interesting nuggets to share with sports bettors.

Joe takes a high-energy and fun approach to covering his favorite sports which include the NFL, MLB, UFC, NBA and NHL, and there’s no bet type he loves more than an NFL six-point teaser. Joe is the host of our daily sports betting program, Before You Bet, while he also leads our weekly UFC show, P4P Picks, and our 'Covers on the Ground' series where he's covered many UFC, NFL and NBA games in person. A monthly highlight for Joe is conducting interviews with UFC legend Georges St-Pierre ahead of every UFC PPV.

Outside of his work at Covers, Joe has appeared on many top media brands including ESPN Radio, Mad Dog Sports Radio, VSIN, TSN, and SportsNet. He always recommends not reading too much into narratives when placing your bets as those factors are already cooked into the lines set by oddsmakers.

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