With the development of wireless communication technologies, vehicle-mounted wireless communication systems are changing with each passing day, and their EMC has become the key to constraining vehicles to adapt to complex electromagnetic environments. Aiming at the limitations of existing EMC evaluation methods or models for wireless communication systems and the actual needs of EMC evaluation and analysis for vehicular communication systems, a five-level novel evaluation model including working environment, signal spectrum, receiver sensitivity, antenna isolation and communication performance is constructed considering the completeness and accuracy of EMC evaluation for vehicular communication systems. The performance of the constructed model is validated using the vehicular communication system of an armored vehicle as an example. The model can evaluate whether there is interference between the working environment and the signal spectrum of the vehicle-mounted radio station. error in the reduction of the receiver sensitivity between calculation and measurement is 5.8%. The calculated isolation of the vehicle-mounted antenna is in good agreement with the measurements. The modulation mode and coding mode of the vehicle-mounted digital communication system with better performance are simulated and analyzed. When the receiver sensitivity is reduced by 6 dB, the vehicle communication distance is reduced by 50%. The simulation and measurement results show that the proposed model is suitable for the evaluation of electromagnetic compatibility of vehicular communication systems for armored vehicles.