What is the ruling on a lease-to-own contract for a car, which involves fixed monthly payments for three years, with the option to purchase the car at a pre-agreed remaining amount, and the lessee bearing the cost of the car's insurance?

It is not permissible in an Ijara wa Iqtina (lease-to-own) contract for it to be stipulated that insurance is the responsibility of the lessee. Rather, the guarantee of the leased asset and its insurance—if it exists and is Sharia-compliant—must be the responsibility of the lessor (owner). As for an increase in the lease amount due to the lessor bearing the insurance cost, there is no harm in that. The lessor may implicitly factor in the cost of insurance when determining the rent, but it is not permissible for him to burden the lessee after the contract with any additional, unexpected costs.