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College Football Playoff Championship Game Odds: Lines, Spreads, Betting Trends for Miami vs. Indiana

Patrick Everson
Patrick Everson Sports Betting Expert
5 minute read
College Football Playoff Championship Game Odds: Lines, Spreads, Betting Trends for Miami vs. Indiana

College Football Playoff championship game odds are getting plenty of attention, with the matchup now just a few hours out.

It's No. 10 Miami vs. No. 1 Indiana in CFP national championship odds. The Hoosiers are getting a ton of public support, even playing on the Hurricanes' home field. But late line movement is going toward the underdog.

Here’s everything you need to know about the college football odds playoff market: opening lines, spreads and betting trends for both games, as multiple oddsmakers provide insights on College Football Playoff championship game odds and action.

(Feature image: Mark J. Rebilas/Imagn Images)

2025-26 College Football Playoff Championship Game Odds

Miami vs. Indiana Odds

MIA @ IU Odds

  • Full Game
  • 1H
  • 1Q
  • 2Q
  • 3Q
  • 4Q
  • Spread
  • Total
  • Moneyline
Final
Miami (FL) Hurricanes 287 Miami (FL)
+7.5 -105 +4 -105 +4.5 -118 +4.5 -118 +4.5 -120 +3.5 -104 +4.5 -120 +3.5 -105 +3.5 -107 +7.5 -108  
Indiana Hoosiers 288 Indiana
-7.5 -115 -4 -115 -4.5 -102 -4.5 -102 -4.5 -103 -3.5 -118 -4.5 -110 -3.5 -125 -3.5 -117 -7.5 -112  
Final
Miami (FL) Hurricanes 287 Miami (FL)
o48.5 -110 o23 -110 o23.5 -105 o23.5 -105 o23.5 -106 o23.5 -105 o23.5 -115 o20.5 -115 o22.5 -118 o47.5 -105  
Indiana Hoosiers 288 Indiana
u48.5 -110 u23 -110 u23.5 -115 u23.5 -115 u23.5 -115 u23.5 -115 u23.5 -115 u20.5 -115 u22.5 -110 u47.5 -115  
Final
Miami (FL) Hurricanes 287 Miami (FL)
+270 +195 +190 +190 +188 +172 N/A N/A +175 +260  
Indiana Hoosiers 288 Indiana
-340 -240 -235 -230 -235 -215 N/A N/A -230 -325  
Final
Miami (FL) Hurricanes 287 Miami (FL)
+7.5 -105 +2.5 -105 +3 -125 +2.5 -110 N/A +1.5 -138 +0.5 -120 +0.5 -125 +1.5 -132 +7.5 -108  
Indiana Hoosiers 288 Indiana
-7.5 -115 -2.5 -115 -3 -102 -2.5 -120 N/A -1.5 +110 -0.5 -110 -0.5 -105 -1.5 +102 -7.5 -112  
Final
Miami (FL) Hurricanes 287 Miami (FL)
o48.5 -110 o9.5 -110 o9.5 -115 o9.5 -115 N/A o9.5 -116 o9.5 -125 o8.5 -115 o9.5 -112 o47.5 -105  
Indiana Hoosiers 288 Indiana
u48.5 -110 u9.5 -110 u9.5 -110 u9.5 -115 N/A u9.5 -108 u9.5 -105 u8.5 -115 u9.5 -117 u47.5 -115  
Final
Miami (FL) Hurricanes 287 Miami (FL)
+270 +170 +160 +165 N/A +128 N/A N/A +148 +260  
Indiana Hoosiers 288 Indiana
-340 -205 -210 -215 N/A -164 N/A N/A -195 -325  
Final
Miami (FL) Hurricanes 287 Miami (FL)
+7.5 -105 +3.5 even N/A +4.5 -120 N/A N/A N/A N/A +4.5 -121 +7.5 -108  
Indiana Hoosiers 288 Indiana
-7.5 -115 -3.5 -120 N/A -4.5 even N/A N/A N/A N/A -4.5 -108 -7.5 -112  
Final
Miami (FL) Hurricanes 287 Miami (FL)
o48.5 -110 o23.5 -110 N/A o23.5 -110 N/A N/A o22.5 -125 N/A o23.5 -110 o47.5 -105  
Indiana Hoosiers 288 Indiana
u48.5 -110 u23.5 -110 N/A u23.5 -110 N/A N/A u22.5 -115 N/A u23.5 -118 u47.5 -115  
Final
Miami (FL) Hurricanes 287 Miami (FL)
+270 +180 N/A +190 N/A N/A N/A N/A +180 +260  
Indiana Hoosiers 288 Indiana
-340 -220 N/A -230 N/A N/A N/A N/A -245 -325  
Final
Miami (FL) Hurricanes 287 Miami (FL)
+7.5 -105 N/A N/A +1.5 -110 N/A +2.5 -108 +2.5 -105 N/A N/A +7.5 -108  
Indiana Hoosiers 288 Indiana
-7.5 -115 N/A N/A -1.5 -120 N/A -2.5 -120 -2.5 -120 N/A N/A -7.5 -112  
Final
Miami (FL) Hurricanes 287 Miami (FL)
o48.5 -110 o13.5 -135 N/A o13.5 -105 N/A o12.5 -122 o13.5 -125 N/A N/A o47.5 -105  
Indiana Hoosiers 288 Indiana
u48.5 -110 u13.5 +115 N/A u13.5 -125 N/A u12.5 -106 u13.5 -105 N/A N/A u47.5 -115  
Final
Miami (FL) Hurricanes 287 Miami (FL)
+270 +155 N/A +135 N/A +152 N/A N/A N/A +260  
Indiana Hoosiers 288 Indiana
-340 -185 N/A -175 N/A -200 N/A N/A N/A -325  
Final
Miami (FL) Hurricanes 287 Miami (FL)
+7.5 -105 N/A N/A +1.5 -120 N/A +2.5 -100 +0.5 -110 N/A N/A +7.5 -108  
Indiana Hoosiers 288 Indiana
-7.5 -115 N/A N/A -1.5 -110 N/A -2.5 -132 -0.5 -115 N/A N/A -7.5 -112  
Final
Miami (FL) Hurricanes 287 Miami (FL)
o48.5 -110 o9.5 -130 N/A o9.5 -130 N/A o14.5 +168 o9.5 -125 N/A N/A o47.5 -105  
Indiana Hoosiers 288 Indiana
u48.5 -110 u9.5 +110 N/A u9.5 even N/A u14.5 -225 u9.5 even N/A N/A u47.5 -115  
Final
Miami (FL) Hurricanes 287 Miami (FL)
+270 +160 N/A +150 N/A +200 N/A N/A N/A +260  
Indiana Hoosiers 288 Indiana
-340 -190 N/A -195 N/A -265 N/A N/A N/A -325  
Final
Miami (FL) Hurricanes 287 Miami (FL)
+7.5 -105 +1.5 -110 N/A +1.5 -120 N/A +1.5 -128 +0.5 -105 N/A N/A +7.5 -108  
Indiana Hoosiers 288 Indiana
-7.5 -115 -1.5 -110 N/A -1.5 -110 N/A -1.5 -104 -0.5 -125 N/A N/A -7.5 -112  
Final
Miami (FL) Hurricanes 287 Miami (FL)
o48.5 -110 o11.5 -115 N/A o13.5 -110 N/A o10.5 -114 o13.5 -105 N/A N/A o47.5 -105  
Indiana Hoosiers 288 Indiana
u48.5 -110 u11.5 -105 N/A u13.5 -120 N/A u10.5 -112 u13.5 -120 N/A N/A u47.5 -115  
Final
Miami (FL) Hurricanes 287 Miami (FL)
+270 +145 N/A +140 N/A +148 N/A N/A N/A +260  
Indiana Hoosiers 288 Indiana
-340 -170 N/A -180 N/A -192 N/A N/A N/A -325  
  • Opening point spread: Indiana -7
  • Opening moneyline: Indiana -285/Miami +240
  • Opening total: Over/Under 47 points scored
  • Time: 7:30 p.m. ET Monday, Jan. 19 (ESPN)

Betting on this game? First, check out VegasInsider's Miami vs. Indiana Predictions!

GAME DAY LATE UPDATE: Ninety minutes before the scheduled kickoff – but actually, probably 105 minutes out, because that's how it really is – Indiana is -7.5 (-105) in BetMGM's College Football Playoff Championship Game odds.

On Jan. 9, the Hoosiers opened -7.5, then last Monday advanced to -8.5. The number was pinned to 8.5 until Sunday afternoon, when BetMGM returned to -7.5, and there have since been only a couple juice adjustments.

"We will be cheering for Miami, at the very least to cover down to 6.5," BetMGM trading manager Tristan Davis said, noting Indiana alternate spread -6.5 saw notable action. "Lots of parlay money on Indiana, and money on the Hoosiers -7.5 clearly outweighs Miami +7.5 money.

"So the best result will be Miami outright, and next best is Indiana by 1-6 points."

Early this afternoon, the total got to its low point of 46.5, where it remains at 6 p.m. ET. BetMGM opened at 48.5, went to 47.5 Tuesday and stuck at various iterations of 47.5 until today.

GAME DAY EARLY UPDATE: Indiana is at -7.5 (-115) as of 3:30 p.m. ET, finally dropping off of -8.5 earlier today in DraftKings Sportsbook's CFP Championship Game odds. That almost mimics the opening number of Indiana -7.5 (-108).

In between, Indiana spent most of the past 10 days at various iterations of -8.5. The Hoosiers are taking 66% of spread bets/62% of spread money. On the moneyline, 63% of bets are on Indiana, but money is dead even, a 50/50 split.

"As with most big games, bettors are [either] taking the favorite to cover or the underdog to win. So tonight, we'll be rooting for an Indiana win between 1-7 points," DraftKings director of sportsbook operations Johnny Avello said.

Earlier this afternoon, DK's total reached its low point of 46.5 (Over -115). The number moved off 47.5, where it spent most of the past 10 days after opening at 48.5. The Over is seeing 73% of bets, but money is almost even.

Still, when factoring in parlays, same-game parlays and props, DK is likely in the same boat as many other sportsbooks, rooting for the Under tonight.

WEEKEND UPDATE: As of 1:30 p.m. ET Saturday, Indiana is 8.5-point chalk at Hard Rock Bet, up from a -7.5 opener. Accounting for all bet types, point-spread play is running close to even, with 51% of tickets on Miami/54% of money on Indiana.

But moneyline play is much more so on underdog Miami, which is the visitor Monday night, while playing on its home field. A big reason for Hurricanes support: Hard Rock Bet draws much of its action from Florida, so there's regional bias creeping in.

The Hurricanes, currently +275 on the moneyline, are seeing 61% of moneyline tickets/79% of moneyline cash.

Further, Hard Rock has significant liability to Miami championship futures.

"An underdog, the biggest game of the year and the most polarizing team in Florida – all playing out in our backyard," Hard Rock Bet senior vice president Neil Walsh said. "Love them or hate them, the U has created a perfect storm that's driving historic engagement on our platform.

"Our customers have backed this team's championship potential all season. A Miami win would ignite a massive celebration, including what we project as the largest single-day payout in Hard Rock Bet history."

The total is at 47.5, with 83% of tickets and money on the Over.

LATE WEEK UPDATE: DraftKings Sportsbook has Indiana as an 8.5-point favorite at 3:30 p.m. ET Friday. In fact, the number has been almost exclusively at Hoosiers -8.5 since Monday, save for about 90 minutes earlier today at -7.5 (-115), after opening at -7.5.

It is all Indiana on the spread at DK, with 74% of early tickets and 82% of early money on the Hoosiers. In moneyline action, 68% of early tickets/56% of early dollars are on Indiana.

DraftKings' total opened at 48.5 and has been at 47.5 since Tuesday. The Over is netting 75% of early bets/54% of early money.

MIDWEEK UPDATE: As of 6 p.m. ET Tuesday, Indiana is out to 8.5-point chalk in Borgata Sports' College Football Playoff championship game odds. That's up from a -7.5 opener after the semifinals wrapped on Friday night.

"I realize the lookahead number at some books for this game was Indiana -5.5. But opening at 7.5, it was one-way traffic on the Hoosiers. They are a very public side here," Borgata sportsbook director Tom Gable said.

"You’ll get some people to buy back on Miami. And once limits get raised even more, it will be interesting to see how much Miami money comes in. But in the early going, it’s been pretty lopsided."

Borgata's total is at 48.5 from a 47.5 opener.

OPENING ODDS UPDATE: No. 1 Indiana (15-0 SU/10-5 ATS) totally took No. 5 Oregon to the woodshed in Friday night's Peach Bowl. The Hoosiers led 35-7 at halftime en route to a 56-22 trucking as 3-point favorites.

It's the second straight CFP wipeout win for Indiana, which blasted No. 9 Alabama 38-3 in the quarterfinals.

No. 10 Miami (12-2 SU/9-5 ATS) went down to the last play of its semifinal to reach the national title game. The Hurricanes got a 3-yard touchdown run from QB Carson Beck with 18 seconds, then held on to beat Ole Miss 31-27 laying 3.5 points in Thursday's Fiesta Bowl.

In those final seconds, Trinidad Chambliss drove the Rebels to the Miami 35-yard line. But Chambliss' final pass fell incomplete in the back corner of the end zone.

So Miami will play on its home field at Hard Rock Stadium for the national title on Jan. 19.

FanDuel Sportsbook posted College Football Playoff championship odds at halftime of the Oregon-Indiana game. The Hoosiers opened -7.5 (even) at FanDuel, and other books followed suit in opening Indiana at various iterations of -7.5.

However, Circa Sports waited until Oregon-Indiana wrapped up, then opened at Indiana -7 (-125) postgame. That was perhaps in order to do a little price discovery, as Circa is renowned for seeking out and getting sharp action. A short time later, the Hoosiers were bet up to -7.5 flat.

The total moved almost immediately at Circa, from 47 to 48.

Check back regularly for updates in the CFP national championship odds market.

Betting on college football? First, make sure you check out the Fanatics Sportsbook promo.

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Patrick Everson

Patrick Everson

Patrick Everson is a senior reporter for VegasInsider. Based in Las Vegas since 1994, he's worked in the sports betting journalism/content space for more than a decade. He's most known for his deep roster of contacts behind sportsbook counters, providing readers and viewers with the ins-and-outs of how events are being bet. He's also a thought leader in the sports betting space, often appearing on or moderating panels at national conferences. More from Patrick Everson
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