The San Francisco 49ers (10-4) visit the Indianapolis Colts (8-6) at Lucas Oil Stadium in Indianapolis for a Week 16 showdown, and USA TODAY’s panel of NFL experts have locked in their picks and predictions for the action. Here’s everything you need to know before kickoff on Monday, December 22, including live updated odds and injury report news.

NameWeek 152025 SeasonBlake Schuster7-9115-91-5Jon Hoefling5-11109-110-5Tyler Dragon10-6110-109-5Chris Bumbaca10-693-97-4Lorenzo Reyes10-6107-112-5Jordan Mendoza8-887-103-4Richard MorinN/A37-29-2Colts vs. 49ers live odds, moneyline, over/under

Opening Lines

Spread: 49ers (-3)Moneyline: 49ers (-166), Colts (+140)Over/Under: 46.5

Get the edge with our exclusive NFL betting picks

Colts vs. 49ers picks against the spreadTyler Dragon: San Francisco 49ers (-5.5)

The Philip Rivers comeback is one of the best storylines this season. But it won’t amount to wins on the field.

Jon Hoefling: San Francisco 49ers (-5.5)

As well as Philip Rivers played in his debut last week, I’m going to chalk that one up to an unexpected twist the Seahawks didn’t prepare for. The Niners will be prepared, and thusly, they’ll beat the spread.

Jordan Mendoza: San Francisco 49ers (-5.5)

Philip Rivers gets a chance to show he still has it against a tough team, but the 49ers are too stacked to let the Colts find any sort of chance to end the losing streak.

Blake Schuster: Indianapolis Colts (+5.5)

At this point, I’m just rooting for Philip Rivers upsetting the 49ers at home. I’m in it for the plot.

Christopher Bumbaca: Indianapolis Colts (+5.5)

This is a pure fade the public play. I’m also not that high on San Francisco’s defense and think that Indianapolis can have some success against it on the ground.

Richard Morin: Indianapolis Colts (+5.5)

Philip Rivers played better in Week 15 than many are crediting. The Colts might not pull out the win, but I feel good about them covering the sizable spread here.

Colts vs. 49ers updated injury reportNFL Week 16 picks, predictions, odds

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