GOOD QUESTION! Though we're strarting to get down into details that most people with a radio never learn. First let me knock off a little terminology:
UHF - ultra high frequency. This includes 70cm ham (420-450MHz) and GMRS (462-467MHz).
VHF - very high frequency. This includes 2m ham (144-148MHz)
HF - high frequency. Most of the other ham bands from around 50MHz and lower. CB radios are down here.
RF - radio frequency signals/waves
There are two issues here. Both confusingly referring to a "ground" of some sort. The VHF/UHF antenna specs *SHOULD* state if either or both are required. (but getting it exactly right is more important for HF than for the typical mobile VHF/UHF which are pretty forgiving.) Here's a rundown:
- An electrical "ground" in which the mount itself is in electrical contact with the vehicle body. Some antennas are more sensitive to a lack of this than others. Other antennas don't care so much. If a grounded mount is required, it should be mentioned in the antenna specs. If the mount is bolted onto the body (or includes set-screws to make that contact like the lip mount I mentioned earlier) then this is taken care of. Electrical ground can be notoriously bad for luggage rack mounts and while I've played with adding a grounding wire here from the mount to one of the rack's mounting bolts, I'm not sure that it was a net improvement. For other antennas, the shielding of the coax cable connects the antenna mount to electrical ground via the radio chassis's electrical ground. The presence/absence of grounding can sometimes cause efficiency problems with an antenna, or introduce more noise (static etc) on the radio. For HF you sometimes have to add grounding straps to connect doors, trunk lids, body panels to the chassis to reduce noise/static. YMMV.
- An RF "ground" plane(aka counterpoise) is essentially a mass of metal under the antenna. Again, this matters more for some antenna designs and not so much for others. The antenna specs should tell you "ground plane required" or "no ground plane required". For VHF/UHF antennas that do need an RF ground plane, the center of a metal roof works best, the edge or corner of a metal roof/trunk-lid/hood is second best, and after that any mass of metal under the antenna (except, I *think* HF likes this best). In cases where the RF ground is present, but the specific antenna doesn't require it, I haven't seen any performance issue. Only when they are needed and not present.
- How big should the RF ground plane be? Technical answer is at least 1/4 wavelength radius, This means about 7" radius or 14" diameter for UHF and about 20" radius or 40" diameter for VHF. BUT again these frequencies/wavelengths are pretty forgiving. Bigger doesn't hurt at all and smaller doesn't hurt much.
- What about magnetic mount antennas? Unless the antenna specs say "not suitable for mag mount" the magnetic coupling between the mount and the metal roof should provide enough RF ground plane.
- Why do some antennas need an RF ground plane? That's a sneaky little bit of magic. The ground plane acts like a mirror for the RF waves, effectively making the antenna appear and behave as if it were twice as long, helping to "pull" the RF power away from the sky straight above and "push" it more toward the horizon (or more specifically, along the ground plane). If that sounds weird, unclear, and non-intuitive, you've just joined millions of ham radio operators world-wide.