The invention relates to heat insulating and energy saving coating used for the vehicle, and the preparation method thereof. The invention takes organic resin film forming material as the main material, the coating at least includes infrared reflection pigment, hollow ceramic micro-spheres and silicon dioxide aerogel, an organic resin film having low sunlight absorption rate is formed in the coating through the organic resin film forming material with high transparency, the visible light and the near infrared ray in the sunlight are reflected through the infrared reflection pigment, the rutile type titanium dioxide and the hollow ceramic micro-spheres, and simultaneously a compact vacuum layer and an inert gas layer are formed on the surface of a coated object through the hollow ceramic micro-spheres and the silicon dioxide aerogel, so as to effectively isolate the radiant heat of the sun, and to reduce the heat conduction of air, and finally the heat insulating and energy saving coating used for the vehicle is formed, which not only can effectively reflect the energy in the sunlight, but also can effectively isolate the radiant heat of the sun and reduce the heat conduction of air, and simultaneously has good weather resistant performance, chemicals resistant performance, mechanical property and decorative property.