Based on thermal–mechanical coupling simulation analysis and physical engineering tracking observation, the mechanical behavior and response of a continuously reinforced concrete and asphalt concrete (CRC + AC) composite pavement layer were analyzed, and the causes of cracking on the surface and bottom of the asphalt layer were revealed. Studies have shown that under normal driving conditions, the AC layer, which is usually in the position of the wheel load gap and wheel load side, more easily generates a longitudinal “corresponding crack”. Compared to normal driving, longitudinal cracks are generated more easily inside of the curve, and transverse cracks occur more easily on poor stadia curves. When the AC layer thickness is less than 8 cm, the AC layer is more prone to bottom-up cracking, and it is more prone to top-down cracking when it is more than 8 cm thick. Comprehensively considering the tensile stress, shear stress, and the thickness of the AC layer, it is recommended that the suitable thickness range of the AC layer is 8 cm~14 cm. The calculated results show good agreement with the physical engineering investigation. The research results can provide a theoretical and scientific basis for cracking control and the rational design of a CRC + AC composite pavement layer.