Abstract: Study of contact characteristics of cycloid-like high-contact-ratio internal meshing gears is one of the important research directions in the field of mechanical transmission. A certain special vehicle cycloid-like high-contact-ratio internal meshing gear was taken as the research object. Based on the gear meshing principle and contact mechanics theory, the tooth surface mathematical model of the cycloid-like high-contact-ratio internal meshing gear was established, and the loading contact test of the high-overlap gear was carried out. Combined with finite element simulation, the influence of different design parameters on the contact area state, tooth surface contact stress distribution, tooth surface load, and bending stress was analyzed. The results show that the cycloid-like gears have a more uniform contact stress distribution and a lower peak contact pressure, which can improve the transmission efficiency, reduce noise, and enhance the load-carrying capacity. The research results provide a theoretical basis for the design and optimization of high-contact-ratio gears under high-precision and high-load conditions.