In simulations of electrical methods for anisotropic, rolling and realistic terrains, large sparse linear systems generated by the adaptive finite element discretization suffer from high memory consumption and low solution efficiency. To address these issues, we propose a combined algorithm that integrates the aggregated algebraic multigrid (AGMG) method with the adaptive finite element method. The combined algorithm enhances the forward modeling accuracy while significantly improving the computational efficiency, enabling large-scale 3D direct current resistivity complex models. For second-order elliptic boundary value problems associated with 3D direct current resistivity, we utilize an unstructured tetrahedral mesh for the finite element discretization. The local refinement is applied through adaptive strategies, and the resulting large-scale sparse linear systems are solved using the AGMG method. Finally, the effectiveness of the combined algorithm is validated through simulations of complex geoelectric models and real geological scenarios. In solving systems with tens of millions of degrees of freedom, the combined algorithm is over 20 times faster than traditional iterative methods and nearly 10 times faster than the algebraic multigrid method. The efficiency advantage of the combined algorithm becomes even more pronounced as the model complexity increases.