Using Autodesk Inventor Professional (AIP) system, a three-dimensional parameterized model of insert and the virtual assemblage based on the standard rim and tire was established. The three-dimensional finite element analysis (FEA) of insert was performed through ANSYS technology embedded in AIP analysis types. During the FEA progress, vehicle velocity, insert material, loads and forces were defined and added on the insert. Subsequently, the three-dimensional FEA mesh was created, and stress, displacement, safety factor were obtained after finite element calculation. Finally, some modifications of insert configuration were carried out according to the analysis results. Through analysis of the new insert model, the results showed that the von-stress and the maximal principal stress were less than the yield limit of insert material, the safety factor was enhanced and the desired results was achieved, which could provide vehicle with enough safety performances. 