Due to the non-linear dynamics of the human body, it is still challenging to accurately predict the occupant’s responses to the vehicle body vibration. In this paper, a transfer matrix approach was developed to model the complex dynamics of the seated human body. The dynamics of the seated human body are modelled using the acceleration transmissibility matrix between the points on the human body and the seat-to-occupant contact points on the seat surface. The structural dynamics of the automotive seat are represented using the acceleration transmissibility matrix between the seat-to-occupant contact points on the seat surface and the seat mounting point on the vehicle floor. Here, the dynamics of the seated occupant’s body and the occupied automotive seat are obtained from the physical experiments. The vibration transmission from the vehicle floor to various points on the occupant’s body can be predicted by combining the vibration transfer matrices of the occupied automotive seat and the human body. The developed modelling method provided an accurate estimation of the human body’s response to the vehicle floor vibration in a frequency below 70 Hz. This study demonstrates a modelling method in predicting the human’s response to vehicle body vibration by combining the transfer matrices of sub-systems.