The invention discloses a vehicle-mounted user electricity consumption behavior analysis method. The method comprises the steps that electricity consumption information of a vehicle power motor is detected when a storage battery of an electric vehicle begins to supply power; all electricity consumption components of the electricity consumption information are associated synchronously through a clock unit; current change nodes with the electricity consumption information components changed are detected through a current signal detection unit, and the moments on the clock at the current change nodes are recorded to obtain first electricity consumption information amount; the vehicle running trajectory in the clock variable period is recorded through a vehicle-mounted geographical location information acquisition unit, and the running mileage is recorded; and the first electricity consumption information amount and the corresponding vehicle running speed are compared with an average threshold to obtain second electricity consumption information amount; and the second electricity consumption information amount is compared with the user actual traveling speed to obtain third electricity consumption information amount which is recorded as an electricity consumption event to be transmitted to a remote vehicle-mounted server terminal.