Coastal marine areas are frequently affected by human activities and face ecological and environmental threats, such as algal blooms and climate change. The community structure of phytoplankton—primary producers in marine ecosystems—is highly sensitive to environmental factors, such as temperature, salinity, and nutrients. However, traditional methods for exploring the relationship between phytoplankton communities and environmental factors in eutrophic marine areas are limited by various factors. Therefore, this study employed interpretable machine learning models, integrating high-dimensional data analysis and complex system modeling, to quantitatively and thoroughly analyze the dynamic relationship between phytoplankton communities and environmental variables in high-frequency samples collected over 53 weeks from eutrophic marine areas. The cell abundance of phytoplankton exhibited a distinct “two-peak pattern” variation. Interpretable machine learning model analysis revealed the dynamic contributions of different environmental factors during changes in the phytoplankton community structure. The results showed that temperature was a key environmental factor that affected phytoplankton growth during peak periods. In addition, the contribution of salinity increased during the second peak in phytoplankton abundance, highlighting its central role in the ecological dynamics of this phase. During green tide outbreaks, particularly in Area 01, the contributions of factors such as temperature and salinity increased, whereas those of phosphates and silicates decreased, indicating that green tide outbreaks substantially altered the nutritional dynamics of the ecosystem. Furthermore, different phytoplankton species, such as Skeletonema costatum, Thalassiosira spp., and Nitzschia spp., exhibit varying responses to environmental factors. Hence, the predictions made using random forest and generalized additive models for phytoplankton cell abundance in two marine areas revealed complex nonlinear relationships between environmental factors, such as temperature, salinity, and phytoplankton abundance.