To analyze the dynamic response and reliability of a continuous beam bridge under the action of an extra heavy vehicle, a vehicle–bridge coupled vibration model was established based on the virtual work principle and vehicle–bridge displacement compatibility equation, which can accurately simulate the dynamic characteristics of the vehicle and bridge. Results show that deck roughness has an important function in the effect of the vehicle on the bridge. When an extra heavy vehicle passes through the continuous beam bridge at a low speed of 5 km/h, the impact coefficient reaches a high value, which should not be disregarded in bridge safety assessments. Considering that no specific law exists between the impact coefficient and vehicle speed, vehicle speed should not be unduly limited and deck roughness repairing should be paid considerable attention. Deck roughness has a significant influence on the reliability index, which decreases as deck roughness increases. For the continuous beam bridge in this work, the reliability index of each control section is greater than the minimum reliability index. No reinforcement measures are required for over-sized transport.