We report the morphological features and thermal insulation properties of a series of cotton- and PET-based hybrid fabrics impregnated with silica aerogel. For the purpose, commercially available cotton and PET knitted fabrics were dipped into aqueous dispersions including different silica aerogel contents, dried, and stacked to 1, 3, and 5 layers. The SEM images revealed that the silica aerogel particles were well incorporated into cotton or PET knitted fabrics. The thermal insulating performance of the hybrid fabrics as functions of the silica aerogel content and the number of layers of stacked fabrics were characterized by monitoring the surface temperatures of the fabrics on a plate with a wide temperature range of ~50-80 oC using an infrared camera. The higher thermal insulation performance was attained for both cotton- and PET-based hybrid fabrics with higher silica aerogel contents. In addition, 3-layered hybrid fabrics exhibited noticeably improved thermal insulation performance, compared to 1- or 5-layered fabrics. The thermal insulation property of the cotton-based hybrid fabrics was dominantly influenced by silica aerogel than that of PET-based hybrid fabrics. The overall results demonstrated that the cotton- and PET-based hybrid fabrics with silica aerogel manufactured by a facile dip-dry process could be utilized as protective garments, heat-sensitive devices, pipes, automotive, aircrafts, and buildings for thermal insulation applications.