In order to reach the fire protection standard for new energy vehicle battery packs, the incorporation of SiO2 aerogel particles as a functional filler in the nitrogen and phosphorus fire-retardant system is necessary due to the inadequate mechanical properties. The effects of SiO2 aerogel on the properties of the coatings for the electric car battery pack were investigated by fire protection test, thermogravimetric analysis, limited oxygen index, UL-94 vertical test, combustion test, mechanical properties test, and weathering resistance test. The backside temperature fireproof coatings containing 1.5% SiO2 aerogel was effectively reduced to 250.2 ± 0.1 °C and the residual weight of the coating reached 32.61 ± 0.01%. The composition and structure of the carbon layer were analyzed further. Especially, the weight loss percentage of the fireproof coating is only 5.87 ± 0.02% in the water resistance test. However, excessive SiO2 aerogel decreased the performances of fireproof coatings.