The availability of Global Navigation Satellite System (GNSS) raw observations in smartphones has driven research into low-cost GNSS solutions, especially in challenging urban environments, which have garnered significant attention from scholars in recent years. This study proposes an improved smartphone-based velocity-aided positioning method and conducts vehicle-mounted experiments in urban roads representing typical scenarios. The results show that when transitioning from low- to high-multipath environments, the number of visible satellites and carrier phase observations are highly sensitive to environmental factors, with frequent multipath effects. The introduction of robust pre-fit and post-fit residual algorithms has proven to be an effective quality control method. Additionally, using more refined observation models and appropriate parameter estimation algorithms led to a slight 6% improvement in velocity performance. The improved Kalman filter position estimation model (KFSPP-P) strategy, by incorporating velocity uncertainty into the state estimation process, overcomes the limitations of conventional velocity-aided smartphone positioning methods (KFSPP-V) in complex urban environments. In low-multipath environments, the accuracy of the KFSPP-P strategy is comparable to that of KFSPP-V, with an approximate 8% improvement in horizontal accuracy. However, in more challenging environments, such as tree-lined roads and urban environments, the KFSPP-P strategy shows significant improvements, particularly enhancing horizontal positioning accuracy by approximately 50%. These advancements demonstrate the potential of using smartphones to provide reliable positioning services in complex urban environments.