I suspect that big chunk of sheet metal between the antenna and the occupants of the vehicle will have an effect on how much RF is present in the vehicle.
Intuitively, I'd suspect this is probably an important consideration.
Assuming the antenna is on a metal vehicle roof, and you're inside the vehicle, it seems to me that you're not
very likely to see much exposure, because you're not within the radiation pattern of the antenna.
Consider a 1/4 wave antenna over a solid metal ground plane, and you're beneath the ground plane.
Now if that antenna is on the trunk lid, or on the side of the vehicle hood, and there's nothing but glass between
you and the radiating element, I would expect much greater exposure in that case. Because in that scenario,
you're directly in the radiation pattern of the antenna.
The calculator is great, but at some point you'd hope some common sense comes into play.