Check the tyre size printed on your current sidewall and compare it with the tyre information label inside the driver door or fuel flap. The size must match exactly, including the R20 rim diameter. If your vehicle has different front and rear sizes, confirm which axle needs 265/45 R20 before ordering.
Use the load index and speed rating specified by your vehicle manufacturer, as SUVs in this size often require higher load ratings and may be marked XL. Common options you will see include 108 or 110 load indexes with V, W or Y speed ratings, but you should not downgrade from what is approved. Select the same or higher load index and the same or higher speed rating to stay compliant.
Many 265/45 R20 fitments are designed for heavier vehicles, so XL is frequently recommended to meet the required load capacity. If your current tyres say XL, or the vehicle placard specifies Extra Load, stick with XL when buying replacements. If you are unsure, choose the load rating listed by the manufacturer rather than selecting XL by default.
Runflat versions of 265/45 R20 are available from several manufacturers, but you should only choose them if your car is designed for runflats or you are happy with the firmer ride they can bring. If your vehicle came with runflats, replacing like for like helps maintain the intended handling and safety characteristics. If switching away from runflats, check you have a spare wheel solution or puncture repair kit.
It is best practice to match the same brand, model and tread pattern on the same axle for consistent grip and braking. If you must replace a single 265/45 R20 tyre, fit it with the most similar specification possible and keep tread depths close to the tyre on the other side. For staggered setups, also ensure you are ordering the correct axle size so handling remains balanced.
