The thermal insulation performance of windows is crucial for energy-efficient buildings. Windows are typically the weakest part of the building envelope, regarding thermal insulation. Due to its excellent thermal insulation and high transparency, silica aerogel shows great promise as a window material. However, moisture can impact the effectiveness of the aerogel, leading to poor visibility and reduced thermal insulation. This study simulated a silica aerogel with varying moisture levels using the combination of diffusion-limited cluster aggregation, discrete dipole approximation, and Monte Carlo methods. The effects of the moisture content, thickness, porosity, and particle size on thermal conductivity, solar transmittance, and haze were analyzed. Visual properties of the aerogels were also considered. The energy consumption of a 30 m2 room under different climates was simulated using TRNSYS to assess the energy-saving potential of silica aerogel glass. The findings indicate that a higher moisture content leads to decreased solar transmittance and increased thermal conductivity of aerogels. Silica aerogel glass is more energy efficient than single-layer float glass, with the dry aerogel performing better in cold climates but worse in hot climates. This study provides insights for designing aerogel glass that optimizes solar transmittance and thermal insulation to enhance building comfort and energy efficiency.