This paper studies the surface art treatment of future personal yachts based on AI artificial intelligence, aiming at artificially leading the use of AI artificial intelligence technology to improve the art and use value of personal yachts. Firstly, this paper will introduce the application status and development trend of AI in art design. Secondly, through the analysis of the surface art treatment needs of personal yachts, based on deep learning algorithm, the design and surface art treatment methods of yachts based on AI artificial intelligence technology are proposed. Finally, this paper will evaluate the advantages and disadvantages of the surface art treatment method based on AI artificial intelligence technology, as well as the future development direction, so as to provide diversified options for future yacht design.