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Indiana vs Miami Odds – See Early Line & Spread for National Championship

Brady Trettenero

By Brady Trettenero in College Football

Updated: January 10, 2026 at 12:17 am EST

Published:


Indiana Hoosiers running back Kaelon Black (8) celebrates with his teammates after scoring a touchdown Friday, Jan. 9, 2026, during the Peach Bowl and semifinal game of the College Football Playoff against the Oregon Ducks at Mercedes-Benz Stadium in Atlanta.
  • Indiana faces Miami in the CFP National Championship Game on January 19
  • The early line prices the Hoosiers as 7.5-point favorites after they demolished Oregon
  • See below for Indiana vs Miami spread, National Championship odds and our pick

The Indiana vs Miami betting line is out for the CFP National Championship after the Hoosiers demolished Oregon 56-22 in Friday night’s Peach Bowl semifinal.

Indiana sits as a 7.5-point favorite for the National Championship matchup on January 19. The line was initially released at halftime when Indiana led 35-7, then adjusted slightly after the final. Miami punched its ticket the night before with a 31-27 thriller over Ole Miss in Thursday’s Fiesta Bowl.

The Indiana vs Miami spread jumped from the look-ahead line of -5.5 after Indiana’s complete demolition of Oregon. The college football odds have the total sitting at 48.5 for the championship.

Indiana vs Miami Odds – National Championship

Bet TypeIndianaMiami
Spread-7.5 (-104)+7.5 (-118)
Moneyline-330+265
TotalO 48.5 (-106)U 48.5 (-114)

Indiana’s -330 moneyline translates to a 76.7% implied win probability. The Hoosiers are heavy favorites to cap off their undefeated season with a national title.

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Odds as of January 9 at FanDuel. New customers can claim the FanDuel promo code and get a bonus to bet on college football.

Kickoff for the CFP National Championship is set for 7:30 pm ET on Monday, January 19, at Hard Rock Stadium in Miami. ESPN will carry the broadcast for the title game.

Indiana Destroys Oregon in Peach Bowl

The Hoosiers made a statement from the opening snap. Cornerback D’Angelo Ponds intercepted Dante Moore on Oregon’s first play and returned it 25 yards for a touchdown just 11 seconds into the game.

Indiana never looked back. Heisman Trophy winner Fernando Mendoza completed 17 of 20 passes for 177 yards and five touchdowns. He threw more touchdown passes than incompletions for the second straight CFP game.

Elijah Sarratt caught two touchdown passes while Charlie Becker hauled in a 36-yarder. Kaelon Black ran for two scores as Indiana’s balanced attack rolled up 362 total yards. The Hoosiers led 35-7 at halftime and cruised from there.

Indiana improved to 3-0 against top-5 opponents this season. The program was 1-72 all-time against top-5 teams before this year. The Hoosiers completed the season sweep of Oregon after beating the Ducks 30-20 in Eugene back in October.

Miami Edges Ole Miss in Fiesta Bowl

The Hurricanes survived a thriller on Thursday night, beating Ole Miss 31-27 in the Fiesta Bowl. Carson Beck scrambled for the game-winning touchdown from 3 yards out with 18 seconds left in the fourth quarter.

YouTube video

Beck completed passes for 268 yards while Miami rushed for 191 yards. Mark Fletcher Jr. was physical all night, dragging defenders and wearing down the Rebels’ defense. Trinidad Chambliss threw for 277 yards in the loss.

The win sends Miami to the National Championship for the first time since 2001. The Hurricanes pulled off upsets over defending champion Ohio State and Ole Miss to reach the title game.

History favors Indiana in this spot. Favorites have been covering the National Championship spread lately, and the line of Indiana -7.5 continues a recent trend of larger spreads in title games.

Recent National Championship Results

YearResultSpreadCover?
2025Ohio State 34, Notre Dame 23OSU -8.5
2024Michigan 34, Washington 13MICH -4.5
2023Georgia 65, TCU 7UGA -14
2022Georgia 33, Alabama 18UGA -2.5
2021Alabama 52, Ohio State 24BAMA -8.5
2020LSU 42, Clemson 25LSU -5.5

The favorite has covered in each of the last six national championship games. Miami’s home-field advantage at Hard Rock Stadium could help buck that trend.

The Hurricanes have thrived as underdogs all season, going 3-0 straight up when getting points. They knocked off both Ohio State and Texas A&M in the playoffs as betting underdogs. Miami’s comfortable in that role.

Indiana vs Miami Line Analysis

On paper, Miami has the defense and line play to stay within this number. The Hurricanes allow just 14.0 points per game and dominated both Ohio State and Ole Miss in the trenches during their playoff run.

Indiana feels like a team of destiny. The Hoosiers are 15-0 behind Mendoza, who’s been surgical in the playoffs. They outscored opponents by over 9 points per game this season, beat Alabama 38-3 in the Rose Bowl, and throttled Ohio State 13-10 in the Big Ten Championship.

The defense allowed just 10.1 points per game. That’s elite on both sides of the ball for Indiana.

Indiana vs Miami Statistical Matchup

IndianaCategoryMiami
15-0Record13-2
40.7PPG31.6
10.1PPG Allowed14.0
210.3Rush YPG154.6
238.1Pass YPG254.6
+1.4Turnover Margin/G+0.7
45Sacks47

Indiana holds advantages in scoring offense, scoring defense, rushing attack and turnover margin. Miami’s slight edge comes in sacks and passing yards per game. The Hoosiers are more balanced at 210 rush/238 pass compared to Miami’s pass-heavy approach.

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Mendoza returns home for the title game. The Miami native will play at Hard Rock Stadium for the first time this season. It’s a full-circle moment for the Heisman winner who left South Florida to build Indiana into a powerhouse.

The Hoosiers don’t have a single five-star recruit on their roster. They’re built on grit and development under Curt Cignetti. That underdog mentality carried them to 15-0 despite being counted out all season.

Miami’s playing at home, and Hard Rock Stadium will be packed with Hurricanes fans. Still, Indiana traveled well all season, with 80% of the Peach Bowl crowd wearing cream and crimson. The home-field edge might not be as big as you’d think.

We’re passing on the Indiana vs Miami spread at more than a touchdown. We’ll wait to see props and team totals once they’re released.

  • Indiana vs Miami Pick: Waiting for props and team totals
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Brady Trettenero
Brady Trettenero

Lead NHL & NCAAF Editor

Brady is the lead NHL and College Football editor at Sports Betting Dime, where he specializes in betting odds and data-driven analysis. Brady has over 10 years experience working in sports media, with work published by outlets such as ESPN, CBS Sports, Yahoo! Sports and Fox Sports.

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