The invention provides an aerogel gradient thermal insulation material containing an endothermic opacifying agent. The aerogel gradient thermal insulation material comprises 3-5 layers of thermal insulation layers, wherein each layer is composed of a SiO2 aerogel, reinforcing fiber doped therein and a core-shell structure opacifying agent. Specifically, the opacifying agent shell is an opacifyingmaterial, and the core is a phase-change material. The aerogel matrix has low thermal conductivity and can suppress heat conduction. The opacifying shell can inhibit radiative heat transfer. The phase-change material absorbs heat in the melting process and improves the thermal inertia of the material. Therefore, the material has the characteristics of low thermal conductivity, low radiation heat transfer capacity, large apparent specific heat and the like, greatly improves the high-temperature and short-acting heat insulation performance of SiO2 aerogel, can meet the high-temperature and short-acting heat insulation requirements of aerospace, military use and the like, and also meets the long-acting heat insulation requirements of industrial high temperature thermal protection and the like. By adding the fiber and endothermic opacifying agent, the aerogel gradient thermal insulation material provided by the invention solves the low strength, phase-change material leakage after melting,high thermal conductivity, infrared light transmission and the like in existing latent heat type thermal insulation materials, and has strong practicability.