Path planning is crucial for unmanned surface vehicles (USVs) to navigate and avoid obstacles efficiently. This study evaluates and contrasts various USV path-planning algorithms, focusing on their effectiveness in dynamic obstacle avoidance, resistance to water currents, and path smoothness. Meanwhile, this research introduces a novel collective intelligence algorithm tailored for two-dimensional environments, integrating dynamic obstacle avoidance and smooth path optimization. The approach tackles the global-path-planning challenge, specifically accounting for moving obstacles and current influences. The algorithm adeptly combines strategies for dynamic obstacle circumvention with an eight-directional current resistance approach, ensuring locally optimal paths that minimize the impact of currents on navigation. Additionally, advanced artificial bee colony algorithms were used during the research process to enhance the method and improve the smoothness of the generated path. Simulation results have verified the superiority of the algorithm in improving the quality of USV path planning. Compared with traditional bee colony algorithms, the improved algorithm increased the length of the optimization path by 8%, shortened the optimization time by 50%, and achieved almost 100% avoidance of dynamic obstacles.