With the increasing number of intelligent connected vehicles, the problem of scarcity of communication resources has become increasingly obvious. It is a practical issue with important significance to explore a real-time and reliable dynamic spectrum allocation scheme for the vehicle users, while improving the utilization of the available spectrum. However, previous studies have problems such as local optimum, complex parameter setting, learning speed, and poor convergence. Thus, in this paper, we propose a cognitive spectrum allocation method based on traveling state priority and scenario simulation in IoV, named Finder-MCTS. The proposed method integrates offline learning with online search. This method mainly consists of two stages. Initially, Finder-MCTS gives the allocation priority of different vehicle users based on the vehicle’s local driving status and global communication status. Furthermore, Finder-MCTS can search for the approximate optimal allocation solutions quickly online according to the priority and the scenario simulation, while with the offline deep neural network-based environmental state predictor. In the experiment, we use SUMO to simulate the real traffic flows. Numerical results show that our proposed Finder-MCTS has 36.47%, 18.24%, and 9.00% improvement on average than other popular methods in convergence time, link capacity, and channel utilization, respectively. In addition, we verified the effectiveness and advantages of Finder-MCTS compared with two MCTS algorithms’ variations.