In order to analyze the premature damage of dowel bar system in jointed concrete pavement, the eXtended finite element method (short for XFEM) coupled with submodeling method were employed to simulate the fracture process of concrete around the dowel bar under loading. This coupling method is based on 3-D finite element analysis for the whole concrete pavement structure. The initialization and evolution of the cracks on the concrete had been monitored in model simulation. The results demonstrate that the XFEM coupled with submodeling method is an efficient and accurate method to calculate the ultimate bearing capacity of dowel bar. Furthermore, the critical axle load could be back-calculated based on the former analyzing results. This study is expected to provide a valuable numerical analysis method to simulate the fracture process in stresses concentration region of the concrete structure.