The decisive drive went 80 yards in 11 plays and took 2:46 off the clock.
Erik Lora caught 11 passes for 128 yards for Eastern Illinois (4-3, 3-1 Ohio Valley). Garoppolo completed 26 of 51 passes for 220 yards with a pair of interceptions. Jake Walker rushed for 103 yards and a touchdown.
Washaun Ealey had a big day for Jacksonville State (3-3, 2-2), rushing for 149 yards and three TDs.
The Eastern Illinois defense came up with three interceptions of Jacksonville State's Marques Ivory.
Miami has lost running back Gus Edwards for the entire season because of a left foot injury.
Virginia Tech will wear a decal on its helmets against No. 1 Ohio State on Monday night to honor slain Roanoke television journalists Alison Parker and Adam Ward.
South Carolina football players will wear stickers on their helmets this season to honor the nine people who died in a shooting at Emanuel AME Church in Charleston this past June.
Washington has found its starting quarterback, but coach Chris Petersen said the Huskies will keep that information under wraps until Friday's season opener at No. 23 Boise State.
Joey Counts scored on a 1-yard run on fourth-and-goal with 2 seconds left to give Montana a 38-35 victory over four-time defending FCS champion North Dakota State on Saturday.
Transfer Vernon Adams will be the starting quarterback when Oregon begins its season against Eastern Washington on Sept. 5.