This paper proposes a fusion algorithm based on state-tracking collision detection and the simulated annealing potential field (SCD-SAPF) to address the challenges of obstacle avoidance for autonomous underwater vehicles (AUVs) in dynamic environments. Navigating AUVs in complex underwater environments requires robust autonomous obstacle avoidance capabilities. The SCD-SAPF algorithm aims to accurately assess collision risks and efficiently plan avoidance trajectories. The algorithm introduces an SCD model for proactive collision risk assessment, predicting collision risks between AUVs and dynamic obstacles. Additionally, it proposes a simulated annealing (SA) algorithm to optimize trajectory planning in a simulated annealing potential field (SAPF), integrating the SCD model with the SAPF algorithm to guide AUVs in obstacle avoidance by generating optimal heading and velocity outputs. Extensive simulation experiments demonstrate the effectiveness and robustness of the algorithm in various dynamic scenarios, enabling the early avoidance of dynamic obstacles and outperforming traditional methods. This research provides an accurate collision risk assessment and efficient obstacle avoidance trajectory planning, offering an innovative approach to the field of underwater robotics and supporting the enhancement of AUV autonomy and reliability in practical applications.