In this paper, a bio-inspired sliding mode control (bio-SMC) and minimal learning parameter (MLP) are proposed to achieve the cooperative formation control of underactuated unmanned surface vehicles (USVs) with external environmental disturbances and model uncertainties. Firstly, the desired trajectory of the follower USV is generated by the leader USV’s position information based on the leader–follower framework, and the problem of cooperative formation control is transformed into a trajectory tracking error stabilization problem. Besides, the USV position errors are stabilized by a backstepping approach, then the virtual longitudinal and virtual lateral velocities can be designed. To alleviate the system oscillation and reduce the computational complexity of the controller, a sliding mode control with a bio-inspired model is designed to avoid the problem of differential explosion caused by repeated derivation. A radial basis function neural network (RBFNN) is adopted for estimating and compensating for the environmental disturbances and model uncertainties, where the MLP algorithm is utilized to substitute for online weight learning in a single-parameter form. Finally, the proposed method is proved to be uniformly and ultimately bounded through the Lyapunov stability theory, and the validity of the method is also verified by simulation experiments.