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49ers vs. Colts prediction: Why San Francisco is favored to win ‘MNF’ Week 16 [2025]

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Written by Dave Garofolo

Get San Francisco 49ers vs Indianapolis Colts predictions for NFL Monday.

San Francisco 49ers-Indianapolis Colts Predictions and Game Preview.
San Francisco 49ers vs. Indianapolis Colts NFL prediction for Monday, December 22, 2025.

NFL action continues on Monday at 8:15 PM ET as the San Francisco 49ers lock horns with the Indianapolis Colts at Lucas Oil Stadium.

Based on the latest simulation results, Dimers' advanced NFL model predicts the 49ers as the most likely winner of the 49ers vs. Colts game.

This article offers a closer look at this week's matchup, including projected touchdown scorers, best bets and player prop picks.

Niners vs. Colts prediction: Who will win ‘Monday Night Football’?

Since our 49ers-Colts predictions earlier in the week, we have simulated the result of Monday's NFL game between the 49ers and Colts 10,000 times as part of our NFL predictions coverage.

Our independent predictive model currently gives the 49ers a 68% chance of defeating the Colts in Week 16 of the NFL season. Our predicted final score has the 49ers winning 25-20.

According to our model, the Colts (+5.5) have a 54% chance of covering the spread, while the 46.5-point over/under has an equal 50-50 chance of hitting.

 

To see win probabilities for every matchup this week, check out our expert NFL Week 16 straight up picks.

49ers vs. Colts odds

We have researched the best NFL odds in America for this game, which are listed here:

Bet Type 49ers Colts
Spread -5.5 (-105) +5.5 (-110)
Moneyline -240 +210
Total o46.5 (-105) u46.5 (-115)

All odds are correct at the time of publication and are subject to change.

49ers vs. Colts picks and best bet

After matching our predictions against the best available odds, we can reveal our picks for each of the major markets. Plus, find our best bet for the game below:

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Written by
Dave Garofolo
Content Producer

Dave Garofolo uses sophisticated AI-driven analytics to make predictions and evaluate player performances in the NBA, MLB, NFL, NHL, NCAAM, and PGA TOUR tournaments, crafting insightful game and prop previews.

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