I get what you are saying. I did find something interesting when I compared my wide body wheel to my '09 SRT8 Alcoa wheel. The wide body wheel is 2 inches wider with a virtually identical back-space of ~6 inches. The '09 9 inch wheel has a +25.5mm offset, compared to the -2.5mm of the 11 inch wheel. A 10.5 inch wheel with a +25mm offset will have a backspace of about 6.75 inches. This indicates the inside of the tire will be pushed in 3/4 of an inch over the original set-up. That seems to be quite a push inward to me and could easily cause rubbing on inner wheel wells and various other chassis bits.1. The factory 20x11 are for widebody models, that is why the offset is -2.5
2. For the 20x10.5 aftermarket wheels you have three options
#1. Heat the fender liner and reshape it with a hammer, hopefully that gives enough clearance.
#2. 3mm/6mm spacers; can’t go larger than 6mm with stock lugs. If you are lowered you’ll have to roll the rear fenders.
#3. 295/40 or 305/35 tires will obviously give more clearance.
I have a 12 Charger RT with 20x10.5 +22 in the rear with 295/40/20. No issues on inner liner but had to have fenders rolled slightly as I’m lowered on Pro-kit.
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