With the rapid and wide implementation of adaptive cruise control system (ACC), the testing and evaluation method becomes an important question. Based on the human driver behavior characteristics extracted from naturalistic driving studies (NDS), this paper proposed the testing and evaluation method for ACC systems, which considers safety and human-like at the same time. Firstly, usage scenarios of ACC systems are defined and test scenarios are extracted and categorized as safety test scenarios and human-like test scenarios according to the collision likelihood. Then, the characteristic of human driving behavior is analyzed in terms of time to collision and acceleration distribution extracted from NDS. According to the dynamic parameters distribution probability, the driving behavior is divided into safe, critical, and dangerous behavior regarding safety and aggressive and normal behavior regarding human-like according to different quantiles. Then, the baselines for evaluation are designed and the weights of different scenarios are determined according to exposure frequency, resulting in a comprehensive evaluation method. Finally, an ACC system is tested in the selected test scenarios and evaluated with the proposed method. The tested vehicle finally got a safety score of 0.9496 (full score: 1) and a human-like score as fail. The results revealed the tested vehicle has a remarkably different driving pattern to human drivers, which may lead to uncomfortable ride experience and user-distrust of the system.