This study presents a compact, thermally tunable terahertz metamaterial absorber comprising a patterned vanadium dioxide (VO2) resonator, a dielectric spacer, and a metallic ground plane. Exploiting the thermally induced insulator–metal phase transition of VO2, the absorber enables dynamic modulation of absorption from near-zero to unity. In the metallic phase, it exhibits multi-resonant broadband absorption with near-unity peaks at 1.91 THz, 4.40 THz, and 5.26 THz, maintaining absorptivity above 70% across the 1.56–5.47 THz range. The design demonstrates polarization insensitivity and robust performance under oblique incidence up to 45°, confirming its suitability for practical THz applications. To accelerate design optimization, machine learning models including random forest, CatBoost, gradient boosting, and a stacked ensemble were used to predict absorption behavior from geometric parameters. The stacked ensemble achieved the highest predictive accuracy (R2 = 0.9979), validating the effectiveness of AI-assisted optimization in metamaterial absorber design.