An entire season has now come down to one night where one team will stand above the rest and hoist the trophy coveted by all. The College Football Playoff has done exactly what it was designed to do and brought together the two best teams this season had to offer, and they will face off tonight for the chance to claim the trophy.
Miami and Indiana have had very different roads to the National Championship, but both, at some point this season, have been overlooked. The Hoosiers have been the team that had to continue to prove themselves because of their name. Miami comes in with the losses this season that had people doubting they were even a good team.
However, a couple of key wins had Indiana sitting at the top of the college football world while Miami was the controversial pick for the CFP. Now, both will take the field tonight and battle for a chance to win it all and show everyone they always belonged.
Miami vs. Indiana final odds, spread, and total for the National Championship
Odds provided by FanDuel Sportsbook
Spread
- Miami: +7.5 (-115)
- Indiana: -7.5 (-105)
Moneyline
- Miami: +260
- Indiana: -320
Total
- O/U: 47.5 (-105/-115)
Miami vs. Indiana final prediction for the National Championship
This is one of the most exciting National Championship games in a while, as it brings two teams that are different from the normal ones that are typically here. Miami has not been in a National Championship game since 2003, while the Hoosiers have never been in this position. Miami will be going for its first championship win in 25 years while Indiana tries to make history.
These two teams match up very well with each other; both have high-powered offenses and stifling defenses. However, there is a key area that could give Indiana a significant advantage over the Hurricanes.
Head coach Curt Cignetti prides himself on building a very disciplined team. His team does not commit a lot of penalties throughout the game, and throughout the 2025 season, they average just 3.7 penalties per game for about 26.5 yards. Miami, on the other hand, does not have as much discipline in that category, committing an average of 7.0 penalties per game for 57.1 yards.
This could be the key difference in this game, as Indiana is good at capitalizing on mistakes by opposing teams, and if Miami makes enough penalty mistakes, the Hoosiers take this game away from the Hurricanes.