The 1995 UCF Golden Knights football season was the eleventh for Gene McDowell as the head coach of the Golden Knights. The team finished with a 6–5 overall record. The season marked UCF's last in Division I-AA, as the Golden Knights moved to Division I-A in 1996. The 1995 season also featured the debut of UCF's new freshman quarterback, Daunte Culpepper.
The season started out on a high note, as the Golden Knights defeated #5 Eastern Kentucky behind 254 yards passing by Culpepper in his first career game. After the season, Marquette Smith is drafted by the Carolina Panthers.
Marc Daniels debuted as the new radio voice of the Knights on the UCF Radio Network.