The construction of high geothermal tunnels presents significant difficulties due to the abnormal rock temperature gradients, including designing a reasonable and cost-effective insulation layer as well as effective cooling measures. In this study, the rock temperature distribution, environmental temperature, and lining surface temperature of the tunnel during the construction period were analyzed through field surveys. A numerical simulation model considering ventilation and heat transfer dynamics was established based on the geothermal measurements and construction characteristics of this tunnel. After validating the 3D numerical model, the effects of installing heat insulation layers according to geothermal levels on the tunnel temperature field control were investigated. Additionally, the impacts of different insulation layer thermal conductivities (λi), ventilation air volume (Wa), and duct thermal conductivities (λd) were analyzed. The results indicate: (1) The comparison of temperature fields in tunnels with insulation layers, which is applied in the range of the rock temperature above 50 °C and without insulation layers was made. The temperature near the excavation face (TAm-1) decreases by up to 0.3% (0.5 °C), tunnel environment temperature with insulation layer applied (TAm-2) decreases by up to 4.2% (2.1 °C), the secondary lining temperature (TSec-lining) decreases by up to 10.5% (4.6 °C), and the wind temperature of air duct outlet (TAir-duct) decreases by up to 0.7% (0.5 °C). (2) The length of the insulation layer increases to the full length of the tunnel, TAm-1 continues to decline by only 0.4°C, TAm-2 by 0.5 °C, TSec-lining by 0.9 °C, and TAir-duct by 0.1 °C, which shows that it is the most economical and reasonable to apply the insulation layer only in the tunnel area where the rock temperature is higher than 50 °C. (3) As λi increases, both the tunnel environment and secondary lining temperatures exhibit linear increases, while increasing Wa and λi cause quadratic decreases and increases in tunnel temperature field parameters, respectively. (4) Range analysis of orthogonal experiments reveals that for tunnel temperature field impact level. For TAm-1, the significance order is Wa >λd >λi. And for TAm-2 and TSec-lining, the significance order is Wa >λi >λd, which can provide the more economical scheme for the insulation layer design and cooling schemes in the high ground temperature tunnel.