In this study, the composite coating materials with improved thermal insulation property were prepared by incorporating the hydrophobic silica aerogel. The surface modification of silica aerogel was performed to obtain UV curable urethane acrylate hybrid coating sols with good compatibility by using surfactant(Brij 56). The polycarbonate substrates were coated by the prepared composites and cured under UV radiation. The incorporation of aerogel with only 10 vol% of content resulted in remarkable improvement by about 28% in the thermal insulation property of the coated film, as compared with substrate. In addition, increasing aerogel content was found to give minor effect on the variation of optical transparency, adhesion, and surface hardness of the coated film.