With the background of the island renewable energy substitution and the large-scale application of electric vehicle technology, then to solve the electricity demand of remote island residents, an optimization method for electric vehicle access to the island microgrid cluster is proposed. First, the charging behavior of electric vehicles is modelled based on an actual monitoring data set, a joint evaluation and indices of various distribution forms are compared, and a well-fitting probability distribution function is obtained. Second, this paper selects multiple islands and constructs a low-carbon island energy system. Considering renewable energy penetration and user satisfaction, the optimization model of the microgrid cluster is established, with the aim of optimizing the economic and environmental benefits of the cluster. The spider wasp optimization (SWO) algorithm is used for analysis. Finally, taking an island cluster in Zhejiang as an example, the calculations show that the proposed island microgrid cluster optimization model can effectively reduce the system cost and be more economical when there is a high penetration rate of renewable energy.