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The 1989 NAIA Division I football season was the 34th season of college football sponsored by the NAIA, was the 20th season of play of the NAIA's top division for football.
Carson–Newman defeated Emporia State in the Champion Bowl, 34–20, to win their fifth, and second consecutive, NAIA national title. It was the Eagles' fourth straight appearance in the Champion Bowl, going 2–1 in the previous two.