295/65R20 is 0.51" taller than 285/65R20, a +1.48% change in diameter, inside the 3% range most shops treat as a safe swap.
Ground clearance changes by 0.26" (half the diameter change), and the tire needs 0.26" more room above it.
295/65R20 is 0.39" wider. On the same wheel offset about half of that, 0.20", moves toward the suspension and half toward the fender.
Both fit a 20" wheel; the sidewall is 0.26" taller on 295/65R20.
Details: 285/65R20 in inches · 295/65R20 in inches · change sizes in the calculator