To solve the poor visual experience caused by the uncoupled ship-wave motion in existing navigation simulators, this study develops a set of visual simulation systems for real-time interaction between ship and wave motion. Firstly, the wave motion scene is built by wave spectrum modeling technology. Then, based on building the ship force model, the ship’s response to wave force is realized by collision detection between the ship and the water surface to calculate the real-time response attitude of the ship to wave motion. Meanwhile, the wave formula is adopted to calculate the water wave generated by the collision between the ship and the water body and its diffusion and enhance the realism of the simulation system. Compared with traditional navigation simulators, the navigation simulator coupled with ship-wave motion can provide more realistic visual and sports experience in high level sea conditions. The results indicate strong visual realism and sound real-time interaction between ship and wave, with a sound simulation effect on the navigation in bad navigation conditions.