Stratospheric airships with a solar array have demonstrated overwhelming superiority in many aspects, such as earth observation, meteorological survey, and communication relay. The solar array supplies sufficient power for the airship to be in flight for months, but excessive heat is also transferred to the airship, causing high overpressure of inner gas. However, the optimal arrangement of the insulation layer on the airship has not been investigated. The theoretical method, including the geometry, thermal, and energy models, is developed and validated. The distribution of the temperatures and power of the solar cells, with different installation angles on the curved surface, is investigated. The thickness of insulation layer has a significant effect on the solar output power and internal pressure of the airship. An optimized configuration of the insulation structure is proposed, in order to improve the total output energy of solar array. The optimized configuration of insulations helps to reduce the structural mass by 24.9% and increase the payload mass by 9%. Moreover, the optimized arrangement improves the output energy of solar array in a year, and the maximum improvement is 8.2% on the winter solstice. The work displays the optimization of the thermal insulation layer for the stratospheric airship with a solar array, in order to improve the everyday energy acquirement during flight in a year.