275/40R20 vs 265/45R20
265/45R20 is 2.5% taller (+0.73 in) and 0.39 in narrower than 275/40R20.
265/45R20 is 2.5% taller than 275/40R20. That is inside the ±3% most shops treat as a straight swap.
Real speed on 265/45R20.
Change in height under the axle.
On the same wheel, split inboard and outboard.
Shop 265/45R20 tires
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275/40R20 or 265/45R20?
Can I use 265/45R20 instead of 275/40R20?
265/45R20 is 2.5% taller than 275/40R20. That is inside the ±3% most shops treat as a straight swap. Also match or beat the original load index and speed rating, and check that the wheel width suits the new tire.
Will my speedometer be off?
At an indicated 60 mph on 265/45R20 you are really doing 61.5 mph if the speedometer was set up for 275/40R20. Going the other way, 275/40R20 would make it read 58.5 mph at a real 60.
How much ground clearance does it change?
Half the diameter difference: +0.36 in (+9 mm) under the axle.