An embankment built over soft-clay experiences large settlement, instability, or failure due to the soil's inability to support its weight. Stress deformation of the subgrade is an essential consideration for vehicles of different categories. Studying the impact of different vehicular characteristics on an embankment may pave the way for using it as an alternative route. Hence, this study was undertaken using the commercially available software Plaxis 3D to evaluate the effect of vehicle characteristics on an embankment built over soft clay. Vehicle characteristics like velocity, wheelbase length, track length, and vehicle weight are considered to evaluate the performance. The influence on stress-deformation behavior is determined. The soft soil (SS) model was employed for the soil layers, while the Mohr–Coulomb (MC) model was used for drainage and embankment. Parametric sensitivity studies were carried out to examine the influence of parameters on the critical speed improvement, stress-deformation behavior, and stability of the embankment. The study’s results confirm that the vehicle characteristics affect the stress-deformation behavior. The velocity has a noticeable effect on vertical deformation; higher velocity increases deformation amplitudes. However, the weight per wheel significantly affects vertical deformation, with heavier weights causing more significant deformation. Nevertheless, the effective vertical stress distribution within the embankment remains consistent, irrespective of vehicular characteristics.