Autonomous navigation of Unmanned Surface Vehicles (USVs) that is safe and compliant with the International Regulations for Preventing Collisions at Sea (COLREGs) remains a formidable challenge in dynamic maritime environments, particularly when perception systems exhibit miscalibrated uncertainty. Existing Reinforcement Learning (RL)-based methods often falter because state-estimation errors induce unreliable belief states that mislead the value function, while discrete traffic rules introduce discontinuity in the learning objective. To address these challenges, we propose a framework integrating credibility-aware learning, geometric safety shielding, and continuous rule-aware embedding. First, Credibility-Weighted Value Learning (CW-VL) introduces a dynamic trust factor derived from the discrepancy between filter-estimated covariance and empirical error statistics to modulate the critic's heteroscedastic loss, preventing policy overfitting to noisy samples. Second, the Covariance-Inflated Velocity Obstacle (CI-VO) maps position-estimation uncertainty into set-wise angular margins, forming a conservative geometric shield that overrides hazardous exploratory actions. Third, Risk-Aware COLREGs Duty Embedding relaxes binary encounter duties into continuous rule-aware signals, providing smooth sector-transition information and suppressing oscillation from sparse rule rewards. Simulated encounter studies demonstrate improved training robustness against perceptual inconsistency and superior collision avoidance and COLREGs compliance over baselines.

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