Miami vs. Indiana Over/Under Prediction: Fernando Mendoza Coronation?

Indiana QB Fernando Mendoza celebrates his Heisman Trophy win.
AP Photo/Eduardo Munoz Alvarez

Two of the toughest defenses in the country meet for the College Football Playoff National Championship.

The top-ranked Indiana Hoosiers (15-0) allow 11.1 points per game (PPG), while the Miami Hurricanes (13-2) yield 14.0 PPG.

Indiana is playing for its first National Championship, winning 26 of 28 games in two seasons under head coach Curt Cignetti.

Miami is back at home following three victories against Texas A&M (10-3), Ohio State (24-14), and Ole Miss (31-27). 

Let’s look at PrizePicks' Miami vs. Indiana over/under prediction for Monday’s College Football Playoff National Championship at Hard Rock Stadium in Miami Gardens, kicking off at 7:30 p.m. ET on ESPN.

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Miami vs. Indiana Over/Under Prediction

The Hurricanes hit the under in nine of 15 games, while the Hoosiers posted a 9-6 mark to the over.

Miami vs. Indiana Over/Under, Spread

The Hoosiers enter this matchup as 7.5-point favorites, returning a 1.28x payout on PrizePicks Team Picks if they win outright.

The Hurricanes are underdogs with a 3.44x payout if they win, via PrizePicks Team Picks.

  • Spread: Indiana Hoosiers -7.5
  • Over/Under: 48.5
  • Game Winner Payout: Miami 3.44x | Indiana 1.28x

(Team Picks data is live as of writing and is subject to change)


Miami vs. Indiana Numbers to Know

Here are some stats to know to get you set for Miami vs. Indiana tonight, including insights on our Miami vs. Indiana prediction.

  • The Hurricanes stayed under in each of the first two wins in the CFP. Miami and Ole Miss hit the over of 52.5 in the semifinals in a 31-27 victory by the Canes.
  • Indiana remained under in their Rose Bowl triumph against Alabama (38-3) on a 45.5 total.
  • Both teams are exceptional defensively, but Indiana ranks fourth in Net EPA/Play, while Miami sits 11th in that category. 
  • The Hurricanes averaged 36.1 PPG at Hard Rock Stadium. Their lowest output came in a 24-21 defeat to Louisville on October 17, their first loss of the season. 
  • Ole Miss scored the most points (27) against Miami in 15 games. The Canes yielded less than 20 points in 10 contests.
  • The Hoosiers allowed 20 or more points three times. Penn State scored 24 points on Indiana on November 8, but fell short in the final minute of a 27-24 setback.
  • In last week’s semifinal matchup against Oregon, the Hoosiers led 42-7 in the third quarter before the Ducks scored a pair of meaningless TDs to lose, 56-22.
  • Indiana ranked second among Big Ten schools in yards per game (461.0) behind USC, a 35-yard improvement from last season’s team that finished 11-2.
  • The Hurricanes posted 43.9 PPG with Heisman Trophy winner Cam Ward in 2024. That number dropped to 31.6 PPG with QB Carson Beck under center.
  • Miami ran 88 plays from scrimmage against Ole Miss, compared to 61 in the quarterfinals win over Ohio State.
  • Indiana compiled 63 plays from scrimmage in the Rose Bowl blowout of Alabama. The Hoosiers scored 56 points against Oregon in spite of running 59 scrimmage plays.

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Make Miami vs. Indiana CFB Picks on PrizePicks

Miami and Indiana play for all the marbles tonight at Hard Rock Stadium. The Hurricanes seek their first title since 2001, while the Hoosiers try to erase years of football futility with a victory.

There’s never been a better time to add to the excitement of every CFB moment than with PrizePicks.

There are hundreds of player stat projections on the CFB board for every bowl game; just pick at least two player stat projections to build your Lineup on PrizePicks. Or, make your picks on winners, spreads, and over/unders on Team Picks, now available in 30 states!

Check out the Playbook throughout the season for more CFB picks, predictions, and news every day.


Team Picks and Culture Picks are event contracts offered by Performance Predictions II, LLC d/b/a PrizePicks Predict, a CFTC-registered FCM and NFA Member. All event contract customers must be U.S. residents and 18+. Some event contracts may not be available in every state. Event contract trading carries significant risk and is not appropriate for everyone. No guarantee against loss is offered. Past results are not necessarily indicative of future results. Void where prohibited by law. Restrictions apply. For full terms of service see prizepicks.com/predict-regulatory. Team and Culture Pick Early Payouts subject to market liquidity. The content provided is for informational and educational purposes only and does not constitute investment advice, or a recommendation to trade any commodity interest.

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about the author

Kevin has spent the last 15 years in the sports gambling space. He covered all major sports at VegasInsider both as a writer and handicapper from 2009 until 2024. He has also covered college basketball and MLB for the Action Network.

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