What is the ruling on buying a car by paying a down payment and the rest in installments with interest over 5 years, with compulsory insurance?

There is no objection to selling goods in installments with an increase in price, provided that the increase is not mentioned as a separate percentage, and that no late payment penalty is imposed. As for insurance, if it is cooperative, it is permissible. If it is commercial, it is forbidden unless it is a legally mandated requirement, in which case the sin falls upon the one who imposed it.