295 is the tyre width in millimetres, 35 is the profile (the sidewall is about 103 mm tall), and R20 means it fits a 20-inch wheel. Overall diameter is roughly 715 mm, but always confirm the full spec using the load index and speed rating shown after the size (for example 105Y).
Use the tyre placard in the door shut or the owner’s manual as the reference, then match or exceed the specified load index and speed rating. This size is often supplied in higher ratings (commonly 105 or above) and may be marked XL for extra load capacity, which can be important on heavier, high-powered vehicles.
In most cases, yes - 10.5J is a common rim width for 295/35 R20. Many manufacturers list an approved rim range around 10.0J to 11.5J for this size, but you should still check the tyre maker’s fitment guide and confirm clearance to suspension and arches on your specific car.
It is a significant change in rolling size. 295/35 R20 is about 29 mm smaller in overall diameter than 295/40 R20, which can lower ride height by roughly 15 mm and make the speedometer read slightly higher. Only switch if your vehicle manufacturer approves it and the rolling circumference remains compatible across the axle to avoid ABS or stability control issues.
They exist, but the choice is usually narrower than for summer performance tyres in this size. If you drive regularly in cold conditions, look for a winter option with the correct load and speed ratings, or consider a manufacturer-approved winter wheel and tyre setup that may use a narrower size for better traction.