If 4 people in the car doesn't scrape now, then 4 people in the car won't scrape with 20" rims PROVIDED the mounted tire has the same diameter then as now. As the rim diameter increases the tire sidewall section height increases by the same amount to maintain the overall mounted wheel/tire diameter. I would shop for tires and rims together to make sure you can find (and afford) proper tires for the rims you want to install.....