Miami vs. Indiana odds, line: 2026 college football picks for College Football Playoff National Championship Game matchup from proven model

The top-ranked Indiana Hoosiers look to become the first team to ever finish 16-0 when they battle the 10th-ranked Miami (Fla.) Hurricanes in the College Football Playoff National Championship Game on Monday, Jan. 19. Miami is coming off a 31-27 win over No. 6 Ole Miss, while Indiana dominated fifth-ranked Oregon 56-22 in the national semifinals. The Hurricanes (13-2, 6-2 ACC), who have won seven in a row, are looking to win their sixth national championship and first since 2001. The Hoosiers (15-0, 9-0 Big Ten), who have won three conference championships in over 125 years, are seeking their first-ever national title.

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Kickoff from Hard Rock Stadium in Miami Gardens, Fla., is at 7:30 p.m. ET. The all-time series is tied 1-1, and the teams last met in 1966. The Hoosiers are 7.5-point favorites in the latest Miami vs. Indiana odds, while the over/under for total points scored is 48.5 via DraftKings Sportsbook. 

Before making any Miami vs. Indiana picks, be sure to check out the college football predictions and betting advice from the SportsLine Projection Model.

The model simulates every FBS game 10,000 times, and it is 31-19 on rated college football money-line picks since the beginning of the 2024 season. 

The model has simulated Miami vs. Indiana 10,000 times and the results are in. We can tell you that the model is leaning Under, and it also says one side of the spread hits well over 50% of simulations!

So who wins Miami vs. Indiana, and which side of the spread hits well over 50% of the time? Join SportsLine right now to see which side of the spread you need to jump on, all from the computer model that has simulated this matchup 10,000 times! 

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