The invention relates to a cellulose/titanium dioxide/silica aerogel and a preparation method thereof. The method comprises the steps such as cellulose sol preparation, nano-grade titanium dioxide surface loading, silica surface coating, curing, aging, hydrophobizing, bonding forming, drying treatment, and the like. According to the invention, nano-grade cellulose is adopted as a core, and is loaded with nano-grade titanium dioxide; a silica layer is coated; and the steps such as curing, aging, hydrophobizing, bonding forming, drying treatment, and the like are carried out, such that the cellulose/titanium dioxide/silica aerogel is obtained. The aerogel has the performances such as flexibility, high strength, bacterium resistance, ultraviolet resistance, odor-removing function, warm-keeping function, thermal insulation, and sound insulation. The aerogel can be widely applied in the fields such as thermal underwear, body armor, insulation materials, pressure-resistant materials, special coatings, aerospace materials, and the like.