The straddle monorail tourist transportation system (MTTS) has developed rapidly in recent years, and its structure is an elevated steel structure with a beam–column system, and the design is executed according to the Safety Code for Large Amusement Rides (GB 8408-2018). However, the impact coefficient value of this code is deemed partially unreasonable. Based on this, relying on the Seven Colors Yunnan Happy World project, the dynamic response test is carried out; using the finite element (FEM) software ANSYS (2021) and multibody dynamics (MBD) software SIMPACK (2021x) combined with the monorail unevenness spectra based on the measured monorail, the straddle monorail vehicle–bridge coupling vibration model is established, and mutual verification is carried out with the measured data. A continuous random variable probability model is adopted for the regularity study of impact coefficient samples, combined with probability statistics and the function fitting method to analyse the calculation results and derive the MTTS displacement impact coefficient calculation formula with beam span and driving speed as variables. The results show that the calculated values of the finite element model are in good agreement with the measured data, and the MTTS impact coefficients conform to the extreme value I-type distribution in the probability distribution law, which is inversely proportional to the span and is directly proportional to the traveling speed. Considering a multi-factor MTTS displacement impact coefficient fitting formula of high fit can better reflect the impact coefficient, monorail girder span, and train speed of the interrelationship for related research and design reference, in order to ensure safety and, at the same time, to improve the economy.