What is the ruling on insurance in a non-Islamic country if it is mostly compulsory (such as car, health, and home insurance)? And do Sharia rulings take into account the circumstances of place and time?

If a Muslim is compelled to take out insurance in Western countries where he resides, under specific conditions, and finds no alternative, then he should first seek a cooperative insurance company. Otherwise, he may resort to other companies, bearing in mind that the ruling on insurance does not change with the difference in location.