This study investigates the effect of surface pollution on a single-unit 11 kV glass suspension insulator using two-dimensional (2D) axisymmetric simulations in COMSOL Multiphysics. The developed model incorporates the electrical properties of glass, cement, steel electrodes, surrounding air, and a uniform pollution layer, with an applied AC voltage of 11 kV under quasi-static conditions. Simulation results demonstrate pronounced electric field intensification in the polluted configuration, particularly at the air–glass–cap triple junction region, where localized electrical stress is significantly higher compared to the clean condition. While the clean insulator operates within IEC 60383 recommended limits, the polluted model exhibits elevated peak electric field magnitudes, indicating increased flashover vulnerability. The findings highlight the strong influence of surface contamination, material permittivity, and geometric configuration on electric field distribution along the creepage path. This study establishes a reliable and computationally efficient predictive framework for optimizing insulator design, improving maintenance strategies, and enhancing the long-term reliability of high-voltage transmission systems, especially in pollution-prone environments.