You need to do some trouble shooting with known equipment.
Remove your coax and check it for continuity and shorts, with a volt meter. Completely remove the coax and the problem. Maybe even get another piece of coax and try it. If that does not work, move on.
Make sure the antenna is assembled correctly. Some folks can put together the mounts wrong, or can have a screw missing.
Sadly, I don't think the above items are your problems. If you had a dead short or an open somewhere, the SWR would be much higher. Monkeymade aren't exactly the cream of the crop in antennas. They are fairly poorly designed and overpriced. They are built to look fancy for the CB crowd, but not really perform.
You need to know what the SWR is on channels 1, 20, and 40. If the SWR is better on channel 1 than 40, it means the antenna is too long. If it is better on 40, then the antenna is too short. What would be better is to find an actual antenna analyzer and see what is really going on. You may find a good SWR outside of the CB band. You may not.
If you cannot find a good SWR, and it is not the coax or antenna assembly, it is probably the mounting location. Welding a tab onto a headache rack is NOT a groundplane. There is a huge difference between a groundplane and a DC ground. You may not be able to get a better SWR because of you mounting location. You can buy a cheap magmount that will hold you antenna WHILE PARKED. Set the magmount onto your roof and see what the SWR is. If it is better, then your mounting location is the problem.
Whatever you do, don't go cutting the whip until you have a good picture of what is going on. Also, no need to add length to the whip. Get a SOUND understanding of what you are doing before you permanently alter your investment. Measure twice and cut once, so to speak.
WM