Is it permissible to insure a car with a commercial insurance company that repairs the car with money collected from clients and does not return the funds if no accident occurs, or is it obligatory to insure with an Islamic insurance company that has a low repair efficiency?

Islamic Takaful insurance is permissible (comprehensive or third-party), whereas commercial insurance is forbidden, and it is not permissible to subscribe to it voluntarily. If one is coerced into it, then one should limit it to the extent of necessity. The fact that Takaful insurance services are fewer does not justify committing the forbidden.