by
On Monday, January 19, 2026, the Miami Hurricanes (13-2) will face off against the unbeaten Indiana Hoosiers (15-0) at Hard Rock Stadium in the College Football Playoff National Championship. Sports betting sites have installed Miami as 8.5 point underdogs for this matchup, with the total points line set at 48.5.
- What? National Championship Final: Miami Hurricanes vs. Indiana Hoosiers
- When? Monday, January 19, 2026
- Where? Hard Rock Stadium in Miami Gardens, FL
Miami Hurricanes vs Indiana Hoosiers Odds
Below are the odds from three of the best NCAA Football Championship Betting Sites.
| NCAAF |  |  |  |
| Miami Florida | +260 | +260 | +280 |
| Indiana | -320 | -320 | -350 |
| Miami Florida +8.5 | -105 | -105 | -107 |
| Indiana -8.5 | -115 | -115 | -113 |
| Over 48.5 | -110 | -110 | -110 |
| Under 48.5 | -110 | -110 | -110 |
Miami Hurricanes (+280)
The Miami Hurricanes enter this matchup with a 13-2 record for the season. In their most recent contest, they narrowly defeated the Ole Miss Rebels 31-27. During that game, Miami ran a total of 88 plays, accumulating 459 yards overall. On the ground, the Hurricanes carried the ball 51 times for 191 yards, averaging 3.7 yards per rush. Defensively, they allowed Ole Miss to gain 121 rushing yards on 21 attempts, an average of 5.8 yards per carry. Through the air, Miami gave up 277 yards on 23 completions from 39 pass attempts, marking a 59.0% completion rate.
For the season, Miami has totaled 6,138 yards. Offensively, they’ve scored 32 touchdowns passing and 26 touchdowns rushing while turning the ball over 14 times. The team has moved the chains for 333 first downs and accumulated 105 penalties costing 857 yards. On the ground, they average 154.6 rushing yards per game, ranking 72nd nationally, while scoring an average of 31.6 points per game.
Defensively, the Hurricanes have struggled in the passing game, allowing 3,092 yards through the air, ranking 111th in the country. Opponents are completing 59.9% of passes against them, averaging 206.1 passing yards per game. Overall, Miami gives up 292.6 yards per contest, which is 11th best in Division I. They have conceded 14 passing touchdowns and 11 rushing touchdowns this season. Opponents average just 3.0 yards per carry and 86.5 rushing yards per game, totaling 1,298 yards on the ground across 15 games. Despite some weaknesses, the Hurricanes’ defense has excelled at limiting scoring, surrendering just 14.0 points per game, the 5th-lowest mark in college football.
Indiana Hoosiers (-320)
The Indiana Hoosiers enter this game with a perfect 15-0 record this season. In their most recent outing, they dominated the Oregon Ducks, winning 56-22. Indiana’s defense allowed Oregon 93 yards on 26 rushing attempts, an average of 3.6 yards per carry. Through the air, they gave up 285 yards on 24 completions from 40 attempts, translating to a 60.0% completion rate. Offensively, the Hoosiers amassed 362 total yards over 60 plays, averaging 6.0 yards per snap, including 185 rushing yards on 40 carries for 4.6 yards per attempt.
For the season, Indiana is averaging 461.0 total yards per game, ranking 11th nationally. They have been flagged 56 times for 404 penalty yards, placing them 125th in college football for giving opponents extra opportunities. On the ground, the Hoosiers are producing 218.3 yards per game, totaling 3,275 rushing yards this season. They have turned the ball over 10 times (8 interceptions, 2 fumbles lost) while moving the chains for 360 first downs. Scoring has been prolific, with Indiana averaging 42.6 points per game, ranking 2nd in Division I. Their passing game has generated 3,641 yards this season, averaging 242.7 yards per game, which is 54th in the nation.
Defensively, Indiana has been stout against the run, allowing just 1,125 rushing yards on the year, or 75.0 yards per contest, with 6 rushing touchdowns conceded. They have also surrendered 9 passing touchdowns and 185.9 passing yards per game, ranking 23rd nationally. Overall, opponents have scored 167 points against them this season. The defense has recovered 11 fumbles and intercepted 18 passes while defending 848 plays, ranking 72nd in Division I for defensive snaps. Indiana’s unit has been exceptional at limiting scoring, allowing just 11.1 points per game, the 2nd-best mark in the country.
National Championship Final Betting Picks
Indiana laying 8.5 points is justified given how dominant the Hoosiers have been on both sides of the ball all season. They’ve consistently built separation with their scoring efficiency, and their defense has been elite at limiting opponents. If Indiana controls the tempo early, they have the firepower to pull away and cover the number.
On the total, the line sits at 48.5 points, and both teams have shown they can put points on the board in bunches. Miami’s high-powered offense combined with Indiana’s prolific scoring attack suggests we could see plenty of scoring opportunities. Expect this game to push the total past the point mark, making the “Over” a logical selection.
Below are the best offshore sportsbooks where you can place your National Championship Final bets.
Sports Betting Sites 